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Financial Transactions & Account Inquiries
Please note: Certain requests cannot be made through e-mail. Representatives are available: Monday through Friday: 8:00 a.m. to 9:00 p.m. ET
If you would like to make an account transaction, please call to speak with a representative: 800-755-5801
If you have lost or forgotten your password, or you need your password reset, you must call for assistance: 877-348-3365
General or Technical Information & Questions
For questions about our web site or to report a technical problem, please use our email form below.
In order to help us respond to your technical web questions as quickly and thoroughly as possible, please provide answers to the following questions below:
- What PC model are you using?
- What error message are you getting or what is the message at the bottom of the screen?
- Are you accessing from home or work?
To view the answers to the following questions, select the link for that question.
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Access
- Are there any special browser requirements to use My TRSRetire?
My TRSRetire has been optimized to work best in Microsoft Internet Explorer (version 8.0 or higher), as well as Google Chrome, Mozilla Firefox, and Apple Safari. To check the current version of Internet Explorer, select HELP in your browser menu, then choose ABOUT INTERNET EXPLORER. You can download a free copy of the latest version of Microsoft Internet Explorer, Firefox, Safari or Chrome by clicking on the appropriate button below.
Additionally, this website works best with a minimum version of Adobe Flash Player 9 and a browser with JavaScript enabled.
- If I am going to dial into the Internet, how do I disable call waiting?
Insert *70 in front of the telephone number in the phone number dialogue box on your computer prior to dialing OR press *70 on your telephone and hang up the phone. Call waiting will be disabled for the next outgoing call made on the phone line. Call waiting will not be disabled for any further calls unless *70, is dialed again.
- Why do I have trouble signing in from work?
You may be behind a corporate firewall at work. The firewall serves to enforce security policy on your network. Often, administrators restrict encrypted information, like your Transamerica account information, from entering networks. Verify your restrictions by contacting your network administrator.
- Are there any special browser requirements to use My TRSRetire?
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Signing In
- I haven't established a Username/Password. How do I create one?
If you are a first time user select the GET STARTED button on the Sign In screen, it will take you to the Welcome Screen to create your Username and Password.
- Why does My TRSRetire offer the option to use Username or Social Security Number for Sign In?
Your personal information is very important to us. My TRSRetire offers the option of using either Username or Social Security Number for additional security.
- How can I change my Username?
Select the change Username option in the Manage Profile section. You will be able to create a new Username or use your Social Security Number as your Username.
- What if I forgot my Username?
Use your Social Security Number if you do not remember your Username.
- What if I forgot my password?
Select the 'Lost your ID or password?' link on the Sign In screen. You will be required to enter your social security or username to have your password hint emailed to you. If you still do not remember your password, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative.
- How do I change my password?
Select the 'Change Password' option in the Manage Profile section.
- Why doesn't my password work when I try to Sign In?
Make sure that you are entering your correct Username or Social Security Number and Password. If you are still unable to Sign In, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative or send us an email using Contact Us in Help.
Note:After three unsuccessful Sign In attempts, your account will be disabled.
- I haven't established a Username/Password. How do I create one?
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Service
- What services does My TRSRetire provide?
My TRSRetire provides you with detailed fund information, transaction history, historical account balances and unit values. You also have access to online investment fund transfers and investment fund allocation changes as long as your plan doesn't have any special fund restrictions.
- When is My TRSRetire available?
My TRSRetire is accessible 24 hours a day, 7 days a week.
- Can I print the information from My TRSRetire that appears on my monitor?
Yes, you can print any screen using the supported Internet browsers. In Internet Explorer or Netscape, select FILE in your browser menu and then select PRINT. Make sure that you have the right printer selected before sending the file to the printer. If there is a print button available on the page, use the print button.
Note:Some screens will require you to print landscape in order to view all of the information on the screen. To do this in Internet Explorer, simply select File and Page Setup, and select the Landscape option. If you are using Netscape, select File and Print and then the Properties button. Select the Landscape option and then OK.
- Why does the page cut off when I print?
Some pages may be too wide to print with your paper orientation set to PORTRAIT.
To change your paper orientation in Internet Explorer, select FILE on your browser menu and then select PAGE SETUP. In the lower left corner select LANDSCAPE and then select OK. When you are ready to print, select FILE on your browser menu then select PRINT. This setting should remain in effect until you change it.
To change your paper orientation in Netscape, wait until you are ready to print. When ready, select FILE on your browser menu and then select PRINT. After choosing your printer from the dropdown box, select PROPERTIES. Make sure that the PAPER tab is selected at the Select LANDSCAPE and then select OK. Select OK to print. This setting should remain in effect until you change it.
- When I select the Fund Hyperlinks, why do I get a blank screen?
If you double-click on the Fund Hyperlinks, the linked screen might be behind the current screen. All hyperlinks should be selected with a single mouse click.
- When I request changes to my account how can I ensure my request has been processed?
When you are requesting financial changes to your account, there will be a confirmation number displayed when the transaction is complete. Please make a note of the confirmation number.
- Whom do I contact for questions?
If you have any questions about this Web site please contact a Transamerica Retirement Solutions Representative at 800-755-5801 or send us an e-mail by using Contact Us in Help.
- How soon can I expect a response from using Contact Us?
Our standard response for most inquiries is within 24 hours.
- What services does My TRSRetire provide?
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Security
- How safe are Internet transmissions between my computer and My TRSRetire?
Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).
As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.
- What is 128-bit encryption or U.S. Security?
To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.
- What are digital certificates?
Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.
- What is Secure Socket Layer (SSL)?
Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.
- What is https://?
While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.
- Please explain the safety of My TRSRetire on the Internet in greater detail.
Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.
All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.
Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.
My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.
Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.
- Why is it important to use the Sign Out button to exit your account?
Using the Sign Out button to exit will ensure the confidentially of your account.
- How safe are Internet transmissions between my computer and My TRSRetire?
This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.
To see a word and its's definition, select a letter from the menu to go to that section of the alphabet.
- A
- (Future) Allocations
- To distribute a percentage of money to one or more funds.
- B
- Back End Load
- A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.
- Bear Market
- A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.
- Benefits Administration
- The implementation and coordination of an employee benefits plan.
- C back to top
- Capital Gain
- The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.
- Closing Price
- The price of the last transaction for a given security at the end of a given trading session.
- Confirmation
- A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).
- Contribution Types
- The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.
- Contributions (Saving Rate)
- A portion of an employee / participant's current salary that is invested in a retirement plan.
- D
- Defined Contribution Plan
- A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.
- Defined Benefit Plan
- A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.
- Diversification
- Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.
- E
- Employee Stock Ownership Plan
- A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.
- F back to top
- Fiduciary
- An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.
- Front-End Load
- A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.
- G
- General Obligation Bond
- A municipal bond secured by the taxing and borrowing power of the municipality issuing it.
- GIC
- Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.
- H
- High-Grade Bond
- A bond with a rating of AAA or AA, the two highest ratings.
- Hedge Fund
- A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).
- I back to top
- IRA
- Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.
- Investment Mix
- The combination of all the funds in your investment portfolio.
- J
- January Effect
- Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.
- Joint Life Annuity
- An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.
- Junk Bond
- A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.
- K
- Kappa
- A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.
- Keogh Plan
- A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.
- Key Person Insurance
- Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.
- Krugerrand
- Gold coin minted by the Republic of South Africa.
- L back to top
- Loan Note
- A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.
- Loan Schedule
- A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.
- M
- Matching Funds
- A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.
- Money Market Fund
- A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.
- Mutual Funds
- Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.
- N
- Nasdaq Composite Index
- A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.
- New York Stock Exchange (NYSE)
- The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.
- O back to top
- Obligation Bond
- Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.
- Offering
- The making available of a new securities to the public through an underwriting. Also called public offering.
- Online Trading
- The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.
- Option
- The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.
- P
- PCRA
- (Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.
- Pending Transfer
- A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.
- Q
- Qualified Retirement Plan
- A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.
- Quarterly Report
- Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.
- R back to top
- Rate of Return
- The rate of return on an investment, expressed as a percent of the total amount invested.
- Rebalance (Investment Mix)
- The process of changing your current investment mix to a new Investment Mix.
- Rollover
- A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.
- S
- Savings Bond
- A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.
- Sector Fund
- A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.
- Strategic Allocation Fund (Multi asset class)
- A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.
- T
- Tender Offer
- A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.
- Time Horizon
- The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.
- Transfer
- A function that moves account balances between various funds.
- Transreferance Number
- A number assigned to each transaction, consisting of a current date and a sequential number within that date.
- U back to top
- Undervalued
- Something whose price is below its perceived value.
- Unit Value (NAV)
- The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.
- Unrealized Loss
- Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.
- U.S. Treasury Securities
- Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.
- V
- Value Fund
- A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).
- Vesting
- Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.
- W
- Weak Dollar
- Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.
- Windfall
- Money received which was not expected and not a direct result of something the recipient did.
- World Bank
- An organization whose focus is on foreign exchange reserves and the balance of trade.
- X back to top
- X or XD
- A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.
- XR
- A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.
- XW
- A symbol used by newspapers to signify that a stock is ex-warrants.
- Y
- Yield to Maturity
- Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.
- Yankee Bond Market
- Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.
- Z
- Zero-Coupon Bond
- A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.
- Zero-Coupon Convertible
- A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.
- # back to top
- 401(k) Plan
- A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.
- 403(b) Plan
- A defined contribution plan established by certain tax exempt organizations and public schools for their employees.
- 457 Plan
- A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.
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<a class="link link--style1__larrow" href="http://www.transamerica.com"><span>My Transamerica Products</span></a>
<ul>
<li class="dropdown">
<a id="hdr_dd_comm" href="#" class="dropdown-toggle" data-target="#" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false" aria-label="Communications Menu">
<span class="glyphicon glyphicon-envelope" role="presentation"></span> Messages <span class="glyphicon glyphicon-menu-down" role="presentation"></span></a>
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<li><a href="#" title="Another Action" role="menuitem">Another Action</a></li>
<li><a href="#" title="Something else here" role="menuitem">Something else here</a></li>
<li><a href="#" title="Separated link" role="menuitem">Separated link</a></li>
<li><a href="#" title="One more separated link" role="menuitem">One more separated link</a></li>
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</li>
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<a id="hdr_dd_usr" href="#" class="dropdown-toggle" data-target="#" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false" aria-label="User Options Menu">
<span class="glyphicon glyphicon-user" role="presentation"></span> My Profile <span class="glyphicon glyphicon-menu-down" role="presentation"></span></a>
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<li><a href="#" title="Action" role="menuitem">Action</a></li>
<li><a href="#" title="Another Action" role="menuitem">Another Action</a></li>
<li><a href="#" title="Something else here" role="menuitem">Something else here</a></li>
<li><a href="#" title="Separated link" role="menuitem">Separated link</a></li>
<li><a href="#" title="One more separated link" role="menuitem">One more separated link</a></li>
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<div class="col-xs-2 col-sm-4 col-md-2">
<button type="button" class="btn btn-logout "><span class="trs-icons-lock hidden-xs" role="presentation"></span>LOG OUT</button>
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</div>
</div>
<!-- /Page Header -->
</div>
<div class="row hidden-xs">
<ul class="breadcrumbs clearfix" id="crumb_box" aria-label="Summary of account">
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<li class="separator" id=""><div></div></li>
<li class="" id="">(placeholder)</li>
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<!-- /top navbar -->
<!-- mobile only phone number bar -->
<div class="mobile-phone row"><span class="icon trs-icons-phone" aria-hidden="true"></span><a href="tel://1-800-797-2643">1-800-PYRAMID</a></div> <!-- /mobile only phone number bar -->
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<div class="row">
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<span class="icon trs-icons-home" aria-hidden="true"></span>
Home
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Overview
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Balance
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<li>
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Account Summary
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Activity Summary
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Activity Details
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Disbursement Details
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Distribution Details
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Unit Values
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Current Investments
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Future Allocations
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Transfers
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PortfolioXpress®
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Rollovers
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Are You OnTrack®?
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Your Retirement Outlook®
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Brighten Your Outlook®
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Profile and Goals
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Retirement Accounts
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Retirement Incomes
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Budget and Withdrawals
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<span class="icon glyphicon glyphicon-dashboard" aria-hidden="true"></span>
Resource Center
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Calculators
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<span class="icon trs-icons-phone-ring" aria-hidden="true"></span>
Contact Us
<span class="trs-utility--light">1-800-755-5801</span>
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<!-- /Contact Us -->
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<div class="col-xs-12 hidden-sm hidden-md hidden-lg text-container text-center"> <span> <a id="disclaimerLink" class="link--disclaimer" href="#"
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<p>To view the answers to the following questions, select the link for that question.</p>
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<ol class="number-list" id="faq_list_1">
<li class="panel"> <a href="#ans_1" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_1" id="q_1">Are there any special browser requirements to use My TRSRetire?</a>
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<p>My TRSRetire has been optimized to work best in Microsoft Internet Explorer (version 8.0 or higher), as well as Google Chrome, Mozilla Firefox, and Apple Safari. To check the current version of Internet Explorer, select HELP in your browser menu, then choose ABOUT INTERNET EXPLORER. You can download a free copy of the latest version of Microsoft Internet Explorer, Firefox, Safari or Chrome by clicking on the appropriate button below.</p>
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<li><a href="#" target="_blank"> <img src="http://ddol.divinvest.com/ddol/tiles/generic/images/misc/but_explorer.gif" alt="Get Internet Explorer"></a></li>
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<p>Additionally, this website works best with a minimum version of Adobe Flash Player 9 and a browser with JavaScript enabled.</p>
<a href="#" target="_blank"> <img src="http://www.liveauctioneers.com/help/bidders/images/get_adobe_flash_player.png" alt="Get Flash"></a> </div>
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<li class="panel"> <a href="#ans_2" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_2" id="q_2">If I am going to dial into the Internet, how do I disable call waiting?</a>
<div role="tab" class="collapse" id="ans_2" aria-labelledby="q_2">
<p>Insert *70 in front of the telephone number in the phone number dialogue box on your computer prior to dialing OR press *70 on your telephone and hang up the phone. Call waiting will be disabled for the next outgoing call made on the phone line. Call waiting will not be disabled for any further calls unless *70, is dialed again.</p>
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</li>
<li class="panel"> <a href="#ans_3" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_3" id="q_3">Why do I have trouble signing in from work?</a>
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<p>You may be behind a corporate firewall at work. The firewall serves to enforce security policy on your network. Often, administrators restrict encrypted information, like your Transamerica account information, from entering networks. Verify your restrictions by contacting your network administrator.</p>
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<li class="js-faq-group">
<h3>Signing In</h3>
<ol class="number-list" id="faq_list_2">
<li class="panel"> <a href="#ans_4" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_4">I haven't established a Username/Password. How do I create one?</a>
<div role="tabpanel" class="collapse" id="ans_4">
<p>If you are a first time user select the GET STARTED button on the Sign In screen, it will take you to the Welcome Screen to create your Username and Password.</p>
</div>
</li>
<li class="panel"> <a href="#ans_5" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_5">Why does My TRSRetire offer the option to use Username or Social Security Number for Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_5">
<p>Your personal information is very important to us. My TRSRetire offers the option of using either Username or Social Security Number for additional security.</p>
</div>
</li>
<li class="panel"> <a href="#ans_9" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_9">How can I change my Username?</a>
<div role="tabpanel" class="collapse" id="ans_9">
<p>Select the change Username option in the Manage Profile section. You will be able to create a new Username or use your Social Security Number as your Username.</p>
</div>
</li>
<li class="panel"> <a href="#ans_10" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_10">What if I forgot my Username?</a>
<div role="tabpanel" class="collapse" id="ans_10">
<p>Use your Social Security Number if you do not remember your Username.</p>
</div>
</li>
<li class="panel"> <a href="#ans_6" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_6">What if I forgot my password?</a>
<div role="tabpanel" class="collapse" id="ans_6">
<p>Select the 'Lost your ID or password?' link on the Sign In screen. You will be required to enter your social security or username to have your password hint emailed to you. If you still do not remember your password, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative.</p>
</div>
</li>
<li class="panel"> <a href="#ans_7" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_7">How do I change my password?</a>
<div role="tabpanel" class="collapse" id="ans_7">
<p>Select the 'Change Password' option in the Manage Profile section.</p>
</div>
</li>
<li class="panel"> <a href="#ans_8" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_8">Why doesn't my password work when I try to Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_8">
<p>Make sure that you are entering your correct Username or Social Security Number and Password. If you are still unable to Sign In, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative or send us an email using Contact Us in Help.</p>
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<div class="alert-icon"><span class="trs-icons-alert-caution alert-icon-size" role="presentation"></span></div>
<div class="alert-message"> <strong>Note:</strong>
<p>After three unsuccessful Sign In attempts, your account will be disabled.</p>
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<h3>Service</h3>
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<li class="panel"> <a href="#ans_11" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_11">What services does My TRSRetire provide?</a>
<div role="tabpanel" class="collapse" id="ans_11">
<p>My TRSRetire provides you with detailed fund information, transaction history, historical account balances and unit values. You also have access to online investment fund transfers and investment fund allocation changes as long as your plan doesn't have any special fund restrictions.</p>
</div>
</li>
<li class="panel"> <a href="#ans_12" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_12">When is My TRSRetire available?</a>
<div role="tabpanel" class="collapse" id="ans_12">
<p>My TRSRetire is accessible 24 hours a day, 7 days a week.</p>
</div>
</li>
<li class="panel"> <a href="#ans_13" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_13">Can I print the information from My TRSRetire that appears on my monitor?</a>
<div role="tabpanel" class="collapse" id="ans_13">
<p>Yes, you can print any screen using the supported Internet browsers. In Internet Explorer or Netscape, select FILE in your browser menu and then select PRINT. Make sure that you have the right printer selected before sending the file to the printer. If there is a print button available on the page, use the print button.</p>
<div class="alert alert-info">
<div class="alert-icon"><span class="trs-icons-alert-info alert-icon-size" role="presentation"></span></div>
<div class="alert-message"> <strong>Note:</strong>
<p>Some screens will require you to print landscape in order to view all of the information on the screen. To do this in Internet Explorer, simply select File and Page Setup, and select the Landscape option. If you are using Netscape, select File and Print and then the Properties button. Select the Landscape option and then OK.</p>
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</li>
<li class="panel"> <a href="#ans_14" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_14">Why does the page cut off when I print?</a>
<div role="tabpanel" class="collapse" id="ans_14">
<p>Some pages may be too wide to print with your paper orientation set to PORTRAIT.</p>
<p>To change your paper orientation in Internet Explorer, select FILE on your browser menu and then select PAGE SETUP. In the lower left corner select LANDSCAPE and then select OK. When you are ready to print, select FILE on your browser menu then select PRINT. This setting should remain in effect until you change it.</p>
<p>To change your paper orientation in Netscape, wait until you are ready to print. When ready, select FILE on your browser menu and then select PRINT. After choosing your printer from the dropdown box, select PROPERTIES. Make sure that the PAPER tab is selected at the Select LANDSCAPE and then select OK. Select OK to print. This setting should remain in effect until you change it.</p>
</div>
</li>
<li class="panel"> <a href="#ans_15" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_15">When I select the Fund Hyperlinks, why do I get a blank screen?</a>
<div role="tabpanel" class="collapse" id="ans_15">
<p>If you double-click on the Fund Hyperlinks, the linked screen might be behind the current screen. All hyperlinks should be selected with a single mouse click.</p>
</div>
</li>
<li class="panel"> <a href="#ans_16" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_16">When I request changes to my account how can I ensure my request has been processed?</a>
<div role="tabpanel" class="collapse" id="ans_16">
<p>When you are requesting financial changes to your account, there will be a confirmation number displayed when the transaction is complete. Please make a note of the confirmation number.</p>
</div>
</li>
<li class="panel"> <a href="#ans_17" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_17">Whom do I contact for questions?</a>
<div role="tabpanel" class="collapse" id="ans_17">
<p>If you have any questions about this Web site please contact a Transamerica Retirement Solutions Representative at <a href="tel:+18007555801">800-755-5801</a> or send us an e-mail by using Contact Us in Help.</p>
</div>
</li>
<li class="panel"> <a href="#ans_18" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_18">How soon can I expect a response from using Contact Us?</a>
<div role="tabpanel" class="collapse" id="ans_18">
<p>Our standard response for most inquiries is within 24 hours.</p>
</div>
</li>
</ol>
</li>
<li class="js-faq-group">
<h3>Security</h3>
<ol class="number-list" id="faq_list_4">
<li class="panel"> <a href="#ans_19" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_19">How safe are Internet transmissions between my computer and My TRSRetire?</a>
<div role="tabpanel" class="collapse" id="ans_19">
<p>Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).</p>
<p>As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.</p>
</div>
</li>
<li class="panel"> <a href="#ans_20" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_20">What is 128-bit encryption or U.S. Security?</a>
<div role="tabpanel" class="collapse" id="ans_20">
<p>To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.</p>
</div>
</li>
<li class="panel"> <a href="#ans_21" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_21">What are digital certificates?</a>
<div role="tabpanel" class="collapse" id="ans_21">
<p>Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.</p>
</div>
</li>
<li class="panel"> <a href="#ans_22" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_22">What is Secure Socket Layer (SSL)?</a>
<div role="tabpanel" class="collapse" id="ans_22">
<p>Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.</p>
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<li class="panel"> <a href="#ans_23" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_23">What is https://?</a>
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<p>While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.</p>
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<li class="panel"> <a href="#ans_24" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_24">Please explain the safety of My TRSRetire on the Internet in greater detail.</a>
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<p>Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.</p>
<p>All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.</p>
<p>Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.</p>
<p>My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.</p>
<p>Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.</p>
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<li class="panel"> <a href="#ans_25" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_25">Why is it important to use the Sign Out button to exit your account?</a>
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<p>Using the Sign Out button to exit will ensure the confidentially of your account.</p>
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<p> This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.</p>
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<dl>
<dt id="gloss_a">A</dt>
<dt><dfn>(Future) Allocations</dfn></dt>
<dd>To distribute a percentage of money to one or more funds.</dd>
<dt id="gloss_b">B</dt>
<dt><dfn>Back End Load</dfn></dt>
<dd>A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.</dd>
<dt><dfn>Bear Market</dfn></dt>
<dd>A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.</dd>
<dt><dfn>Benefits Administration</dfn></dt>
<dd>The implementation and coordination of an employee benefits plan.</dd>
<dt id="gloss_c">C <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Capital Gain</dfn></dt>
<dd>The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.</dd>
<dt><dfn>Closing Price</dfn></dt>
<dd>The price of the last transaction for a given security at the end of a given trading session.</dd>
<dt><dfn>Confirmation</dfn></dt>
<dd>A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).</dd>
<dt><dfn>Contribution Types</dfn></dt>
<dd>The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.</dd>
<dt><dfn>Contributions (Saving Rate)</dfn></dt>
<dd>A portion of an employee / participant's current salary that is invested in a retirement plan.</dd>
<dt id="gloss_d">D</dt>
<dt><dfn>Defined Contribution Plan</dfn></dt>
<dd>A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.</dd>
<dt><dfn>Defined Benefit Plan</dfn></dt>
<dd>A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.</dd>
<dt><dfn>Diversification</dfn></dt>
<dd>Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.</dd>
<dt id="gloss_e">E</dt>
<dt><dfn>Employee Stock Ownership Plan</dfn></dt>
<dd>A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.</dd>
<dt id="gloss_f">F <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Fiduciary</dfn></dt>
<dd>An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.</dd>
<dt><dfn>Front-End Load</dfn></dt>
<dd>A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.</dd>
<dt id="gloss_g">G</dt>
<dt><dfn>General Obligation Bond</dfn></dt>
<dd>A municipal bond secured by the taxing and borrowing power of the municipality issuing it.</dd>
<dt><dfn><abbr>GIC</abbr></dfn></dt>
<dd>Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.</dd>
<dt id="gloss_h">H</dt>
<dt><dfn>High-Grade Bond</dfn></dt>
<dd>A bond with a rating of AAA or AA, the two highest ratings.</dd>
<dt><dfn>Hedge Fund</dfn></dt>
<dd>A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).</dd>
<dt id="gloss_i">I <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>IRA</abbr></dfn></dt>
<dd>Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.</dd>
<dt><dfn>Investment Mix</dfn></dt>
<dd>The combination of all the funds in your investment portfolio.</dd>
<dt id="gloss_j">J</dt>
<dt><dfn>January Effect</dfn></dt>
<dd>Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.</dd>
<dt><dfn>Joint Life Annuity</dfn></dt>
<dd>An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.</dd>
<dt><dfn>Junk Bond</dfn></dt>
<dd>A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.</dd>
<dt id="gloss_k">K</dt>
<dt><dfn>Kappa</dfn></dt>
<dd>A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.</dd>
<dt><dfn>Keogh Plan</dfn></dt>
<dd>A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.</dd>
<dt><dfn>Key Person Insurance</dfn></dt>
<dd>Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.</dd>
<dt><dfn>Krugerrand</dfn></dt>
<dd>Gold coin minted by the Republic of South Africa.</dd>
<dt id="gloss_l">L <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Loan Note</dfn></dt>
<dd>A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.</dd>
<dt><dfn>Loan Schedule</dfn></dt>
<dd>A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.</dd>
<dt id="gloss_m">M</dt>
<dt><dfn>Matching Funds</dfn></dt>
<dd>A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.</dd>
<dt><dfn>Money Market Fund</dfn></dt>
<dd>A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.</dd>
<dt><dfn>Mutual Funds</dfn></dt>
<dd>Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.</dd>
<dt id="gloss_n">N</dt>
<dt><dfn>Nasdaq Composite Index</dfn></dt>
<dd>A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.</dd>
<dt><dfn>New York Stock Exchange (NYSE)</dfn></dt>
<dd>The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.</dd>
<dt id="gloss_o">O <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Obligation Bond</dfn></dt>
<dd>Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.</dd>
<dt><dfn>Offering</dfn></dt>
<dd>The making available of a new securities to the public through an underwriting. Also called public offering.</dd>
<dt><dfn>Online Trading</dfn></dt>
<dd>The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.</dd>
<dt><dfn>Option</dfn></dt>
<dd>The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.</dd>
<dt id="gloss_p">P</dt>
<dt><dfn><abbr>PCRA</abbr></dfn></dt>
<dd>(Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.</dd>
<dt><dfn>Pending Transfer</dfn></dt>
<dd>A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.</dd>
<dt id="gloss_q">Q</dt>
<dt><dfn>Qualified Retirement Plan</dfn></dt>
<dd>A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.</dd>
<dt><dfn>Quarterly Report</dfn></dt>
<dd>Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.</dd>
<dt id="gloss_r">R <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Rate of Return</dfn></dt>
<dd>The rate of return on an investment, expressed as a percent of the total amount invested.</dd>
<dt><dfn>Rebalance (Investment Mix)</dfn></dt>
<dd>The process of changing your current investment mix to a new Investment Mix.</dd>
<dt><dfn>Rollover</dfn></dt>
<dd>A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.</dd>
<dt id="gloss_s">S</dt>
<dt><dfn>Savings Bond</dfn></dt>
<dd>A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.</dd>
<dt><dfn>Sector Fund</dfn></dt>
<dd>A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.</dd>
<dt><dfn>Strategic Allocation Fund (Multi asset class)</dfn></dt>
<dd>A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.</dd>
<dt id="gloss_t">T</dt>
<dt><dfn>Tender Offer</dfn></dt>
<dd>A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.</dd>
<dt><dfn>Time Horizon</dfn></dt>
<dd>The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.</dd>
<dt><dfn>Transfer</dfn></dt>
<dd>A function that moves account balances between various funds.</dd>
<dt><dfn>Transreferance Number</dfn></dt>
<dd>A number assigned to each transaction, consisting of a current date and a sequential number within that date.</dd>
<dt id="gloss_u">U <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Undervalued</dfn></dt>
<dd>Something whose price is below its perceived value.</dd>
<dt><dfn>Unit Value (NAV)</dfn></dt>
<dd>The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.</dd>
<dt><dfn>Unrealized Loss</dfn></dt>
<dd>Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.</dd>
<dt><dfn>U.S. Treasury Securities</dfn></dt>
<dd>Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.</dd>
<dt id="gloss_v">V</dt>
<dt><dfn>Value Fund</dfn></dt>
<dd>A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).</dd>
<dt><dfn>Vesting</dfn></dt>
<dd>Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.</dd>
<dt id="gloss_w">W</dt>
<dt><dfn>Weak Dollar</dfn></dt>
<dd>Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.</dd>
<dt><dfn>Windfall</dfn></dt>
<dd>Money received which was not expected and not a direct result of something the recipient did.</dd>
<dt><dfn>World Bank</dfn></dt>
<dd>An organization whose focus is on foreign exchange reserves and the balance of trade.</dd>
<dt id="gloss_x">X <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>X</abbr> or <abbr>XD</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.</dd>
<dt><dfn><abbr>XR</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.</dd>
<dt><dfn><abbr>XW</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is ex-warrants.</dd>
<dt id="gloss_y">Y</dt>
<dt><dfn>Yield to Maturity</dfn></dt>
<dd>Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.</dd>
<dt><dfn>Yankee Bond Market</dfn></dt>
<dd>Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.</dd>
<dt id="gloss_z">Z </dt>
<dt><dfn>Zero-Coupon Bond</dfn></dt>
<dd>A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.</dd>
<dt><dfn>Zero-Coupon Convertible</dfn></dt>
<dd>A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.</dd>
<dt id="gloss_num"># <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>401(k) Plan</dfn></dt>
<dd>A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.</dd>
<dt><dfn>403(b) Plan</dfn></dt>
<dd>A defined contribution plan established by certain tax exempt organizations and public schools for their employees.</dd>
<dt><dfn>457 Plan</dfn></dt>
<dd>A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.</dd>
</dl>
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This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.
To see a word and its's definition, select a letter from the menu to go to that section of the alphabet.
- A
- (Future) Allocations
- To distribute a percentage of money to one or more funds.
- B
- Back End Load
- A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.
- Bear Market
- A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.
- Benefits Administration
- The implementation and coordination of an employee benefits plan.
- C back to top
- Capital Gain
- The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.
- Closing Price
- The price of the last transaction for a given security at the end of a given trading session.
- Confirmation
- A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).
- Contribution Types
- The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.
- Contributions (Saving Rate)
- A portion of an employee / participant's current salary that is invested in a retirement plan.
- D
- Defined Contribution Plan
- A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.
- Defined Benefit Plan
- A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.
- Diversification
- Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.
- E
- Employee Stock Ownership Plan
- A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.
- F back to top
- Fiduciary
- An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.
- Front-End Load
- A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.
- G
- General Obligation Bond
- A municipal bond secured by the taxing and borrowing power of the municipality issuing it.
- GIC
- Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.
- H
- High-Grade Bond
- A bond with a rating of AAA or AA, the two highest ratings.
- Hedge Fund
- A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).
- I back to top
- IRA
- Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.
- Investment Mix
- The combination of all the funds in your investment portfolio.
- J
- January Effect
- Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.
- Joint Life Annuity
- An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.
- Junk Bond
- A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.
- K
- Kappa
- A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.
- Keogh Plan
- A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.
- Key Person Insurance
- Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.
- Krugerrand
- Gold coin minted by the Republic of South Africa.
- L back to top
- Loan Note
- A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.
- Loan Schedule
- A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.
- M
- Matching Funds
- A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.
- Money Market Fund
- A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.
- Mutual Funds
- Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.
- N
- Nasdaq Composite Index
- A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.
- New York Stock Exchange (NYSE)
- The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.
- O back to top
- Obligation Bond
- Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.
- Offering
- The making available of a new securities to the public through an underwriting. Also called public offering.
- Online Trading
- The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.
- Option
- The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.
- P
- PCRA
- (Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.
- Pending Transfer
- A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.
- Q
- Qualified Retirement Plan
- A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.
- Quarterly Report
- Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.
- R back to top
- Rate of Return
- The rate of return on an investment, expressed as a percent of the total amount invested.
- Rebalance (Investment Mix)
- The process of changing your current investment mix to a new Investment Mix.
- Rollover
- A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.
- S
- Savings Bond
- A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.
- Sector Fund
- A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.
- Strategic Allocation Fund (Multi asset class)
- A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.
- T
- Tender Offer
- A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.
- Time Horizon
- The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.
- Transfer
- A function that moves account balances between various funds.
- Transreferance Number
- A number assigned to each transaction, consisting of a current date and a sequential number within that date.
- U back to top
- Undervalued
- Something whose price is below its perceived value.
- Unit Value (NAV)
- The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.
- Unrealized Loss
- Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.
- U.S. Treasury Securities
- Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.
- V
- Value Fund
- A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).
- Vesting
- Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.
- W
- Weak Dollar
- Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.
- Windfall
- Money received which was not expected and not a direct result of something the recipient did.
- World Bank
- An organization whose focus is on foreign exchange reserves and the balance of trade.
- X back to top
- X or XD
- A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.
- XR
- A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.
- XW
- A symbol used by newspapers to signify that a stock is ex-warrants.
- Y
- Yield to Maturity
- Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.
- Yankee Bond Market
- Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.
- Z
- Zero-Coupon Bond
- A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.
- Zero-Coupon Convertible
- A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.
- # back to top
- 401(k) Plan
- A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.
- 403(b) Plan
- A defined contribution plan established by certain tax exempt organizations and public schools for their employees.
- 457 Plan
- A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.
templates-main-layout-sso
HTML
<div class="page-container">
<div class="container-fluid">
<!-- top navbar -->
<header>
<div class="row trs-header no-padding">
<!-- Page Header -->
<div class="print-page-header">
<img src="../../images/trs-logo-166px.png" class="ta-logo-print" alt="TRS Logo Desktop">
<div class="print-header-info">
<div class="print-info-line1">1-800-Pyramid (797-2643)</div>
<div class="print-info-line2">INSERT LAST DATA UPDATE AT: HERE.</div>
<div class="print-info-line3">Date Printed: 04/10/16</div>
</div>
</div>
<div class="subnavbar" role="navigation">
<div class="row"> <a class="sr-only" href="#main_content">Skip to main content</a><!-- keep this for ada compliance -->
<div class="col-xs-2 col-sm-4 hidden-md hidden-lg">
<div class="btn--menu">
<button type="button" class="btn--menu__btn">
<span class="sr-only">Tap to expand or collapse navigation</span>
<span class="icon-bar" role="presentation"></span> <span class="icon-bar" role="presentation"></span> <span class="icon-bar" role="presentation"></span> </button>
<div class="btn--menu__text">Menu</div>
</div>
</div>
<div class="col-xs-8 col-md-2 col-sm-4 text-center">
<a class="logo-link text-center" href="">
<img src="../../images/trs-mobile-logo.png" class="logo visible-xs" alt="TRS Logo Mobile" /> <img src="../../images/trs-logo-166px.png" class="logo hidden-xs" alt="TRS Logo Desktop" /> </a>
</div>
<div class="hidden-xs hidden-sm col-md-8">
<div class="pull-right">
<a class="link link--style1__larrow" href="http://www.transamerica.com"><span>My Transamerica Products</span></a>
<ul>
<li class="dropdown">
<a id="hdr_dd_comm" href="#" class="dropdown-toggle" data-target="#" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false" aria-label="Communications Menu">
<span class="glyphicon glyphicon-envelope" role="presentation"></span> Messages <span class="glyphicon glyphicon-menu-down" role="presentation"></span></a>
<ul class="dropdown-menu" role="menu" aria-labelledby="hdr_dd_comm">
<li><a href="#" title="Action" role="menuitem">Action</a></li>
<li><a href="#" title="Another Action" role="menuitem">Another Action</a></li>
<li><a href="#" title="Something else here" role="menuitem">Something else here</a></li>
<li><a href="#" title="Separated link" role="menuitem">Separated link</a></li>
<li><a href="#" title="One more separated link" role="menuitem">One more separated link</a></li>
</ul>
</li>
</ul> <ul>
<li class="dropdown">
<a id="hdr_dd_usr" href="#" class="dropdown-toggle" data-target="#" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false" aria-label="User Options Menu">
<span class="glyphicon glyphicon-user" role="presentation"></span> My Profile <span class="glyphicon glyphicon-menu-down" role="presentation"></span></a>
<ul class="dropdown-menu" role="menu" aria-labelledby="hdr_dd_usr">
<li><a href="#" title="Action" role="menuitem">Action</a></li>
<li><a href="#" title="Another Action" role="menuitem">Another Action</a></li>
<li><a href="#" title="Something else here" role="menuitem">Something else here</a></li>
<li><a href="#" title="Separated link" role="menuitem">Separated link</a></li>
<li><a href="#" title="One more separated link" role="menuitem">One more separated link</a></li>
</ul>
</li>
</ul> </div>
</div>
<div class="col-xs-2 col-sm-4 col-md-2">
<button type="button" class="btn btn-logout "><span class="trs-icons-lock hidden-xs" role="presentation"></span>LOG OUT</button>
</div>
</div>
</div>
<!-- /Page Header -->
</div>
<div class="row hidden-xs">
<ul class="breadcrumbs clearfix" id="crumb_box" aria-label="Summary of account">
<li class="home" id="">Update Profile</li>
<li class="separator" id=""><div></div></li>
<li class="" id="">(placeholder)</li>
</ul> </div>
</header>
<!-- /top navbar -->
<!-- mobile only phone number bar -->
<div class="mobile-phone row"><span class="icon trs-icons-phone" aria-hidden="true"></span><a href="tel://1-800-797-2643">1-800-PYRAMID</a></div> <!-- /mobile only phone number bar -->
<div class="row">
<!-- sidebar -->
<div class="col-xs-12 col-sm-3 left_sidebar sidebar-offcanvas [ hidden-xs hidden-sm ]" id="sidebar" role="navigation">
<nav id="myNavmenu" class="trs-nav navmenu navmenu-default" role="navigation">
<!-- Main Nav -->
<nav class="nav--primary" data-ui-component="Main Nav">
<div class="row">
<div id="desktop_primary_nav" role="tablist" aria-multiselectable="true">
<div class="panel menuwrapper">
<ul class="menu">
<!-- Home -->
<li>
<a href="#nav_home" class="list-group-item nav--primary__head collapsed selected" data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-home" aria-hidden="true"></span>
Home
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_home">
<li>
<a href="#url" class="list-group-item selected">
Overview
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Balance
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
e-Documents
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Account Summary
</a>
</li>
</ul>
</li>
<!-- /Home -->
<!-- Review -->
<li>
<a href="#nav_review" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-eye" aria-hidden="true"></span>
Review
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_review">
<li>
<a href="#url" class="list-group-item selected">
Fund and Fee Information
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Activity Summary
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Activity Details
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Disbursement Details
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Distribution Details
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Unit Values
</a>
</li>
</ul>
</li>
<!-- /Review -->
<!-- Manage -->
<li>
<a href="#nav_manage" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-settings" aria-hidden="true"></span>
Manage
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_manage">
<li>
<a href="#url" class="list-group-item selected">
Current Investments
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Future Allocations
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Transfers
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
PortfolioXpress®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Rollovers
</a>
</li>
</ul>
</li>
<!-- /Manage -->
<!-- Are You OnTrack®? -->
<li>
<a href="#nav_ontrack" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-on-track" aria-hidden="true"></span>
Are You OnTrack®?
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_ontrack">
<li>
<a href="#url" class="list-group-item selected">
Your Retirement Outlook®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Brighten Your Outlook®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Profile and Goals
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Retirement Accounts
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Retirement Incomes
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Budget and Withdrawals
</a>
</li>
</ul>
</li>
<!-- /Are You OnTrack®? -->
<!-- Resource Center -->
<li>
<a href="#nav_resources" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon glyphicon glyphicon-dashboard" aria-hidden="true"></span>
Resource Center
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_resources">
<li>
<a href="#url" class="list-group-item selected">
Calculators
</a>
</li>
</ul>
</li>
<!-- /Resource Center -->
<!-- Contact Us -->
<!--li>
<a href="#nav_contact" class="list-group-item nav--primary__head nav--primary__contact" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-phone-ring" aria-hidden="true"></span>
Contact Us
<span class="trs-utility--light">1-800-755-5801</span>
</a>
</li-->
<!-- /Contact Us -->
</ul>
</div>
</div>
</div>
</nav>
<!-- /Main Nav -->
</nav>
</div>
<!-- /sidebar -->
<!-- main area & col-xs-12 -->
<div class="non-responsive-swipe">
<div class="col-xs-12 col-sm-12 col-md-9 left-content-border right_panel">
<main class="row" id="main_content">
<p class="status-note text-right">Last login: 10/25/2016 12:28 p.m. CST</p>
<!-- Begin "body" -->
<div class="col-xs-12 ">
<!-- YOUR CODE STARTS HERE. REMOVE THIS COMMENT AFTERWARDS. -->
<h1>Edit Web Profile</h1>
<form id="update_profile" method="post" action="#">
<fieldset>
<h3 class="heading-section">Account Information</h3>
<!--USERNAME-->
<div class="row margin-bottom">
<div class="col-xs-4">
<h4 class="sso--header_16b">Username</h4>
</div>
<div class="col-xs-4"> <span class="sso--disabled">jdoe1983</span> </div>
<div class="col-xs-4 text-right"> <a href="#" class="btn btn-secondary sso-username">Change</a> </div>
</div>
<!--/USERNAME-->
<!--EDIT USERNAME-->
<div class="row margin-bottom sso--box__grey2 sso-username_edit" style="display: none;">
<div class="col-sm-4 vertical-padding">
<h4 class="sso--header_16">New Username</h4>
</div>
<div class="col-sm-8 vertical-padding">
<div class="row">
<div class="form-group col-sm-6">
<input id="username" name="username" type="text" placeholder="Text Input" class="form-control" value="">
</div>
</div>
<ul class="bulleted padding-left-lg">
<li>Must be a minimum of 7 characters</li>
<li>Cannot be all numeric (ex: cannot be a serial number)</li>
<li>Cannot be an email address</li>
</ul>
</div>
</div>
<!--/EDIT USERNAME-->
<!--PASSWORD-->
<div class="row margin-bottom">
<div class="col-xs-4">
<h4 class="sso--header_16b">Password</h4>
</div>
<div class="col-xs-4"> <span class="sso--disabled">••••••••</span> </div>
<div class="col-xs-4 text-right"> <a href="#" class="btn btn-secondary sso-password">Change</a> </div>
</div>
<!--/PASSWORD-->
<!--EDIT PASSWORD-->
<div class="row margin-bottom sso--box__grey2 sso-password_edit" style="display: none;">
<div class="col-sm-4 vertical-padding">
<div class="form-group">
<label for="current" class="sso--header_16">Current Password</label>
<input id="current" name="current" type="text" placeholder="Text Input" class="form-control" value="abcd1password">
</div>
</div>
<div class="col-sm-4 vertical-padding">
<div id="pwd-container">
<div class="form-group">
<label for="password" class="sso--header_16">New Password</label>
<input type="password" name="password" class="form-control" id="password" placeholder="Password">
<!--START PASSWORD METER-->
<div class="passwordStrengthWrap">
<div class="passwordDescriptionWrap"><span class="preDescription">Password strength: </span><span class="passwordDescription"></span></div>
<div class="passwordBorder">
<div id="passwordStrength" class=""></div>
</div>
</div>
<!--END PASSWORD METER-->
</div>
</div>
</div>
<div class="col-sm-4 vertical-padding">
<div class="form-group">
<label for="re-password" class="sso--header_16">Re-Enter Password</label>
<input id="re-password" name="re-password" type="password" placeholder="Text Input" class="form-control" value="abcd1password">
</div>
<ul class="bulleted padding-left">
<li>Must be a minimum of 8 characters</li>
<li>Include three of the following:
a lower and upper case character, a
number and a special character.</li>
</ul>
</div>
</div>
<!--/EDIT PASSWORD-->
<!--PRIMARY EMAIL-->
<div class="row margin-bottom">
<div class="col-xs-4">
<h4 class="sso--header_16b">Primary Email</h4>
</div>
<div class="col-xs-4"> <span class="sso--disabled">j*********@gmail.com</span> </div>
<div class="col-xs-4 text-right"> <a href="#" class="btn btn-secondary sso-primary">Change</a> </div>
</div>
<!--/PRIMARY EMAIL-->
<!--EDIT PRIMARY EMAIL-->
<div class="row margin-bottom sso--box__grey2 sso-primary_edit" style="display: none;">
<div class="col-sm-6 vertical-padding">
<div class="form-group">
<label for="new-primary" class="sso--header_16">New Primary Email Address</label>
<input id="new-primary" name="new-primary" type="text" placeholder="Text Input" class="form-control" value="">
</div>
</div>
<div class="col-sm-6 vertical-padding">
<div class="form-group">
<label for="re-primary-email" class="sso--header_16">Re-Enter Primary Email Address</label>
<input id="re-primary-email" name="re-primary-email" type="text" placeholder="Text Input" class="form-control" value="">
</div>
</div>
</div>
<!--/EDIT PRIMARY EMAIL-->
<!--ALTERNATE EMAIL-->
<div class="row margin-bottom">
<div class="col-xs-4">
<h4 class="sso--header_16b">Alternate Email</h4>
</div>
<div class="col-xs-4"> <span class="sso--disabled">h***********@outlook.com</span> </div>
<div class="col-xs-4 text-right"> <a href="#" class="btn btn-secondary sso-alternate">Change</a> </div>
</div>
<!--/ALTERNATE EMAIL-->
<!--EDIT ALTERNAMTE EMAIL-->
<div class="row margin-bottom sso--box__grey2 sso-alternate_edit" style="display: none;">
<div class="col-xs-12 vertical-padding">
<p class="text-larger">Alternate email will be used for the following when provided: Authorization Security Code, eDelivery (when applicable), Password resets, and security alerts.</p>
</div>
<div class="col-sm-6 vertical-padding">
<div class="form-group">
<label for="new-alternate" class="sso--header_16">New Alternate Email Address</label>
<input id="new-alternate" name="new-alternate" type="text" placeholder="Text Input" class="form-control" value="">
</div>
</div>
<div class="col-sm-6 vertical-padding">
<div class="form-group">
<label for="re-alternate-email" class="sso--header_16">Re-Enter Alternate Email Address</label>
<input id="re-alternate-email" name="re-alternate-email" type="text" placeholder="Text Input" class="form-control" value="">
</div>
</div>
<div class="col-xs-12">
<p class="text-larger">If you do not wish to have an alternate email address at all, <a href="">click here</a>.</p>
</div>
</div>
<!--/EDIT ALTERNATE EMAIL-->
<h3 class="heading-section">Security questions</h3>
<p class="text-larger padding-bottom">Choose answers you can remember without writing them down. Each answer must be a minimum of 3 characters.</p>
<div class="row margin-bottom">
<div class="col-sm-6">
<div class="form-group">
<label for="security1">Security Question 1</label>
<div class="form-group custom-select"> <span class="custom-select-inner"><span class="glyphicon glyphicon-XXX form-control-feedback" role="presentation"></span>
<select class="form-control sso-select_sm" id="security1" name="security1">
<option>Select One</option>
<option></option>
<option></option>
<option></option>
</select>
</span> </div>
<input value="Answer to question 1">
</div>
</div>
</div>
<div class="row margin-bottom">
<div class="col-sm-6">
<div class="form-group">
<label for="security2">Security Question 2</label>
<div class="form-group custom-select"> <span class="custom-select-inner"><span class="glyphicon glyphicon-XXX form-control-feedback" role="presentation"></span>
<select class="form-control sso-select_sm" id="security2" name="security2">
<option>What was the last name of an elementary school teacher?</option>
<option>What was the last name of an elementary school teacher?</option>
<option>What was the last name of an elementary school teacher?</option>
<option>What was the last name of an elementary school teacher?</option>
</select>
</span> </div>
<input value="Answer to question 2">
</div>
</div>
</div>
<div class="row margin-bottom">
<div class="col-sm-6">
<div class="form-group">
<label for="security3">Security Question 3</label>
<div class="form-group custom-select"> <span class="custom-select-inner"><span class="glyphicon glyphicon-XXX form-control-feedback" role="presentation"></span>
<select class="form-control sso-select_sm" id="security3" name="security3">
<option>This is an example of long text to test the select truncate bug</option>
<option>This is an example of long text to test the select truncate bug</option>
<option>This is an example of long text to test the select truncate bug</option>
<option>This is an example of long text to test the select truncate bug</option>
</select>
</span> </div>
<input value="Answer to question 3">
</div>
</div>
</div>
<div class="row">
<hr>
</div>
<div class="row">
<div class="col-xs-6">
<button type="button" class="btn btn-primary">Save</button>
<a class="link--style2 margin-left-lg" href="">Cancel</a> </div>
</div>
</fieldset>
</form>
<!-- PASSWORD METER -->
<script src="../../js/plugins/jquery.password.js"></script>
<!-- EDIT PAGE TOGGLES -->
<script>
$( ".sso-username" ).click(function() {
$('.sso-username_edit').toggle();
});
$( ".sso-password" ).click(function() {
$('.sso-password_edit').toggle();
});
$( ".sso-primary" ).click(function() {
$('.sso-primary_edit').toggle();
});
$( ".sso-alternate" ).click(function() {
$('.sso-alternate_edit').toggle();
});
</script>
<!-- /YOUR CODE ENDS HERE. REMOVE THIS COMMENT AFTERWARDS. -->
</div>
<!-- End "body" -->
</main>
<div class="container-fluid bg-gray-light-5 sso-footer row">
<div class="row">
<div class="col-xs-12 ta-footer__socialmedia"><!-- Start Component Presentation: {"ComponentID" : "tcm:100-60576", "ComponentModified" : "2016-04-25T10:41:29", "ComponentTemplateID" : "tcm:100-60577-32", "ComponentTemplateModified" : "2015-12-16T09:58:09", "IsRepositoryPublished" : false} -->
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<input type="checkbox" id="updateEmailCheck" name="check">
<label for="updateEmailCheck"><span role="checkbox"></span>Update my account(s) with this email address</label>
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<p class="horizontal-padding">Check the box for all future email correspondence to be sent to this email address, including electronic notifications for any services in which you are enrolled.</p>
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<label for="company">Employer:</label>
<input name="company" id="company" type="text" autocapitalize="off" autocorrect="off" autocomplete="organization" value="Milwaukee Electric Tool Corporation" disabled>
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<fieldset><legend class="label">Are you still employed here?</legend>
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<label for="employedYes" class="radio-inline"> <span role="radio"></span> Yes</label>
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<label for="acctNum">Account Number:</label>
<input name="acctNum" id="acctNum" type="text" autocapitalize="off" autocorrect="off" autocomplete="" pattern="\d*">
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<p>To view the answers to the following questions, select the link for that question.</p>
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<h3>Access</h3>
<ol class="number-list" id="faq_list_1">
<li class="panel"> <a href="#ans_1" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_1" id="q_1">Are there any special browser requirements to use My TRSRetire?</a>
<div role="tab" class="collapse" id="ans_1" aria-labelledby="q_1">
<p>My TRSRetire has been optimized to work best in Microsoft Internet Explorer (version 8.0 or higher), as well as Google Chrome, Mozilla Firefox, and Apple Safari. To check the current version of Internet Explorer, select HELP in your browser menu, then choose ABOUT INTERNET EXPLORER. You can download a free copy of the latest version of Microsoft Internet Explorer, Firefox, Safari or Chrome by clicking on the appropriate button below.</p>
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<p>Additionally, this website works best with a minimum version of Adobe Flash Player 9 and a browser with JavaScript enabled.</p>
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<li class="panel"> <a href="#ans_2" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_2" id="q_2">If I am going to dial into the Internet, how do I disable call waiting?</a>
<div role="tab" class="collapse" id="ans_2" aria-labelledby="q_2">
<p>Insert *70 in front of the telephone number in the phone number dialogue box on your computer prior to dialing OR press *70 on your telephone and hang up the phone. Call waiting will be disabled for the next outgoing call made on the phone line. Call waiting will not be disabled for any further calls unless *70, is dialed again.</p>
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<li class="panel"> <a href="#ans_3" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_3" id="q_3">Why do I have trouble signing in from work?</a>
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<p>You may be behind a corporate firewall at work. The firewall serves to enforce security policy on your network. Often, administrators restrict encrypted information, like your Transamerica account information, from entering networks. Verify your restrictions by contacting your network administrator.</p>
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<h3>Signing In</h3>
<ol class="number-list" id="faq_list_2">
<li class="panel"> <a href="#ans_4" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_4">I haven't established a Username/Password. How do I create one?</a>
<div role="tabpanel" class="collapse" id="ans_4">
<p>If you are a first time user select the GET STARTED button on the Sign In screen, it will take you to the Welcome Screen to create your Username and Password.</p>
</div>
</li>
<li class="panel"> <a href="#ans_5" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_5">Why does My TRSRetire offer the option to use Username or Social Security Number for Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_5">
<p>Your personal information is very important to us. My TRSRetire offers the option of using either Username or Social Security Number for additional security.</p>
</div>
</li>
<li class="panel"> <a href="#ans_9" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_9">How can I change my Username?</a>
<div role="tabpanel" class="collapse" id="ans_9">
<p>Select the change Username option in the Manage Profile section. You will be able to create a new Username or use your Social Security Number as your Username.</p>
</div>
</li>
<li class="panel"> <a href="#ans_10" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_10">What if I forgot my Username?</a>
<div role="tabpanel" class="collapse" id="ans_10">
<p>Use your Social Security Number if you do not remember your Username.</p>
</div>
</li>
<li class="panel"> <a href="#ans_6" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_6">What if I forgot my password?</a>
<div role="tabpanel" class="collapse" id="ans_6">
<p>Select the 'Lost your ID or password?' link on the Sign In screen. You will be required to enter your social security or username to have your password hint emailed to you. If you still do not remember your password, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative.</p>
</div>
</li>
<li class="panel"> <a href="#ans_7" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_7">How do I change my password?</a>
<div role="tabpanel" class="collapse" id="ans_7">
<p>Select the 'Change Password' option in the Manage Profile section.</p>
</div>
</li>
<li class="panel"> <a href="#ans_8" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_8">Why doesn't my password work when I try to Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_8">
<p>Make sure that you are entering your correct Username or Social Security Number and Password. If you are still unable to Sign In, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative or send us an email using Contact Us in Help.</p>
<div class="alert alert-caution">
<div class="alert-icon"><span class="trs-icons-alert-caution alert-icon-size" role="presentation"></span></div>
<div class="alert-message"> <strong>Note:</strong>
<p>After three unsuccessful Sign In attempts, your account will be disabled.</p>
</div>
</div>
</div>
</li>
</ol>
</li>
<li class="js-faq-group">
<h3>Service</h3>
<ol class="number-list" id="faq_list_3">
<li class="panel"> <a href="#ans_11" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_11">What services does My TRSRetire provide?</a>
<div role="tabpanel" class="collapse" id="ans_11">
<p>My TRSRetire provides you with detailed fund information, transaction history, historical account balances and unit values. You also have access to online investment fund transfers and investment fund allocation changes as long as your plan doesn't have any special fund restrictions.</p>
</div>
</li>
<li class="panel"> <a href="#ans_12" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_12">When is My TRSRetire available?</a>
<div role="tabpanel" class="collapse" id="ans_12">
<p>My TRSRetire is accessible 24 hours a day, 7 days a week.</p>
</div>
</li>
<li class="panel"> <a href="#ans_13" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_13">Can I print the information from My TRSRetire that appears on my monitor?</a>
<div role="tabpanel" class="collapse" id="ans_13">
<p>Yes, you can print any screen using the supported Internet browsers. In Internet Explorer or Netscape, select FILE in your browser menu and then select PRINT. Make sure that you have the right printer selected before sending the file to the printer. If there is a print button available on the page, use the print button.</p>
<div class="alert alert-info">
<div class="alert-icon"><span class="trs-icons-alert-info alert-icon-size" role="presentation"></span></div>
<div class="alert-message"> <strong>Note:</strong>
<p>Some screens will require you to print landscape in order to view all of the information on the screen. To do this in Internet Explorer, simply select File and Page Setup, and select the Landscape option. If you are using Netscape, select File and Print and then the Properties button. Select the Landscape option and then OK.</p>
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</div>
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</li>
<li class="panel"> <a href="#ans_14" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_14">Why does the page cut off when I print?</a>
<div role="tabpanel" class="collapse" id="ans_14">
<p>Some pages may be too wide to print with your paper orientation set to PORTRAIT.</p>
<p>To change your paper orientation in Internet Explorer, select FILE on your browser menu and then select PAGE SETUP. In the lower left corner select LANDSCAPE and then select OK. When you are ready to print, select FILE on your browser menu then select PRINT. This setting should remain in effect until you change it.</p>
<p>To change your paper orientation in Netscape, wait until you are ready to print. When ready, select FILE on your browser menu and then select PRINT. After choosing your printer from the dropdown box, select PROPERTIES. Make sure that the PAPER tab is selected at the Select LANDSCAPE and then select OK. Select OK to print. This setting should remain in effect until you change it.</p>
</div>
</li>
<li class="panel"> <a href="#ans_15" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_15">When I select the Fund Hyperlinks, why do I get a blank screen?</a>
<div role="tabpanel" class="collapse" id="ans_15">
<p>If you double-click on the Fund Hyperlinks, the linked screen might be behind the current screen. All hyperlinks should be selected with a single mouse click.</p>
</div>
</li>
<li class="panel"> <a href="#ans_16" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_16">When I request changes to my account how can I ensure my request has been processed?</a>
<div role="tabpanel" class="collapse" id="ans_16">
<p>When you are requesting financial changes to your account, there will be a confirmation number displayed when the transaction is complete. Please make a note of the confirmation number.</p>
</div>
</li>
<li class="panel"> <a href="#ans_17" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_17">Whom do I contact for questions?</a>
<div role="tabpanel" class="collapse" id="ans_17">
<p>If you have any questions about this Web site please contact a Transamerica Retirement Solutions Representative at <a href="tel:+18007555801">800-755-5801</a> or send us an e-mail by using Contact Us in Help.</p>
</div>
</li>
<li class="panel"> <a href="#ans_18" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_18">How soon can I expect a response from using Contact Us?</a>
<div role="tabpanel" class="collapse" id="ans_18">
<p>Our standard response for most inquiries is within 24 hours.</p>
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</li>
</ol>
</li>
<li class="js-faq-group">
<h3>Security</h3>
<ol class="number-list" id="faq_list_4">
<li class="panel"> <a href="#ans_19" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_19">How safe are Internet transmissions between my computer and My TRSRetire?</a>
<div role="tabpanel" class="collapse" id="ans_19">
<p>Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).</p>
<p>As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.</p>
</div>
</li>
<li class="panel"> <a href="#ans_20" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_20">What is 128-bit encryption or U.S. Security?</a>
<div role="tabpanel" class="collapse" id="ans_20">
<p>To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.</p>
</div>
</li>
<li class="panel"> <a href="#ans_21" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_21">What are digital certificates?</a>
<div role="tabpanel" class="collapse" id="ans_21">
<p>Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.</p>
</div>
</li>
<li class="panel"> <a href="#ans_22" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_22">What is Secure Socket Layer (SSL)?</a>
<div role="tabpanel" class="collapse" id="ans_22">
<p>Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.</p>
</div>
</li>
<li class="panel"> <a href="#ans_23" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_23">What is https://?</a>
<div role="tabpanel" class="collapse" id="ans_23">
<p>While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.</p>
</div>
</li>
<li class="panel"> <a href="#ans_24" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_24">Please explain the safety of My TRSRetire on the Internet in greater detail.</a>
<div role="tabpanel" class="collapse" id="ans_24">
<p>Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.</p>
<p>All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.</p>
<p>Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.</p>
<p>My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.</p>
<p>Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.</p>
</div>
</li>
<li class="panel"> <a href="#ans_25" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_25">Why is it important to use the Sign Out button to exit your account?</a>
<div role="tabpanel" class="collapse" id="ans_25">
<p>Using the Sign Out button to exit will ensure the confidentially of your account.</p>
</div>
</li>
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<div role="tabpanel" class="tab-pane panel__glossary" id="glossary_tab">
<p> This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.</p>
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<li><a href="#gloss_a" role="navigation" class="navbar-btn js-gloss-scroll">A</a></li>
<li><a href="#gloss_b" role="navigation" class="navbar-btn js-gloss-scroll">B</a></li>
<li><a href="#gloss_c" role="navigation" class="navbar-btn js-gloss-scroll">C</a></li>
<li><a href="#gloss_d" role="navigation" class="navbar-btn js-gloss-scroll">D</a></li>
<li><a href="#gloss_e" role="navigation" class="navbar-btn js-gloss-scroll">E</a></li>
<li><a href="#gloss_f" role="navigation" class="navbar-btn js-gloss-scroll">F</a></li>
<li><a href="#gloss_g" role="navigation" class="navbar-btn js-gloss-scroll">G</a></li>
<li><a href="#gloss_h" role="navigation" class="navbar-btn js-gloss-scroll">H</a></li>
<li><a href="#gloss_i" role="navigation" class="navbar-btn js-gloss-scroll">I</a></li>
<li><a href="#gloss_j" role="navigation" class="navbar-btn js-gloss-scroll">J</a></li>
<li><a href="#gloss_k" role="navigation" class="navbar-btn js-gloss-scroll">K</a></li>
<li><a href="#gloss_l" role="navigation" class="navbar-btn js-gloss-scroll">L</a></li>
<li><a href="#gloss_m" role="navigation" class="navbar-btn js-gloss-scroll">M</a></li>
<li><a href="#gloss_n" role="navigation" class="navbar-btn js-gloss-scroll">N</a></li>
<li><a href="#gloss_o" role="navigation" class="navbar-btn js-gloss-scroll">O</a></li>
<li><a href="#gloss_p" role="navigation" class="navbar-btn js-gloss-scroll">P</a></li>
<li><a href="#gloss_q" role="navigation" class="navbar-btn js-gloss-scroll">Q</a></li>
<li><a href="#gloss_r" role="navigation" class="navbar-btn js-gloss-scroll">R</a></li>
<li><a href="#gloss_s" role="navigation" class="navbar-btn js-gloss-scroll">S</a></li>
<li><a href="#gloss_t" role="navigation" class="navbar-btn js-gloss-scroll">T</a></li>
<li><a href="#gloss_u" role="navigation" class="navbar-btn js-gloss-scroll">U</a></li>
<li><a href="#gloss_v" role="navigation" class="navbar-btn js-gloss-scroll">V</a></li>
<li><a href="#gloss_w" role="navigation" class="navbar-btn js-gloss-scroll">W</a></li>
<li><a href="#gloss_x" role="navigation" class="navbar-btn js-gloss-scroll">X</a></li>
<li><a href="#gloss_y" role="navigation" class="navbar-btn js-gloss-scroll">Y</a></li>
<li><a href="#gloss_z" role="navigation" class="navbar-btn js-gloss-scroll">Z</a></li>
<li><a href="#gloss_num" role="navigation" class="navbar-btn js-gloss-scroll">#</a></li>
</ul>
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</nav>
<dl>
<dt id="gloss_a">A</dt>
<dt><dfn>(Future) Allocations</dfn></dt>
<dd>To distribute a percentage of money to one or more funds.</dd>
<dt id="gloss_b">B</dt>
<dt><dfn>Back End Load</dfn></dt>
<dd>A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.</dd>
<dt><dfn>Bear Market</dfn></dt>
<dd>A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.</dd>
<dt><dfn>Benefits Administration</dfn></dt>
<dd>The implementation and coordination of an employee benefits plan.</dd>
<dt id="gloss_c">C <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Capital Gain</dfn></dt>
<dd>The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.</dd>
<dt><dfn>Closing Price</dfn></dt>
<dd>The price of the last transaction for a given security at the end of a given trading session.</dd>
<dt><dfn>Confirmation</dfn></dt>
<dd>A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).</dd>
<dt><dfn>Contribution Types</dfn></dt>
<dd>The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.</dd>
<dt><dfn>Contributions (Saving Rate)</dfn></dt>
<dd>A portion of an employee / participant's current salary that is invested in a retirement plan.</dd>
<dt id="gloss_d">D</dt>
<dt><dfn>Defined Contribution Plan</dfn></dt>
<dd>A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.</dd>
<dt><dfn>Defined Benefit Plan</dfn></dt>
<dd>A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.</dd>
<dt><dfn>Diversification</dfn></dt>
<dd>Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.</dd>
<dt id="gloss_e">E</dt>
<dt><dfn>Employee Stock Ownership Plan</dfn></dt>
<dd>A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.</dd>
<dt id="gloss_f">F <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Fiduciary</dfn></dt>
<dd>An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.</dd>
<dt><dfn>Front-End Load</dfn></dt>
<dd>A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.</dd>
<dt id="gloss_g">G</dt>
<dt><dfn>General Obligation Bond</dfn></dt>
<dd>A municipal bond secured by the taxing and borrowing power of the municipality issuing it.</dd>
<dt><dfn><abbr>GIC</abbr></dfn></dt>
<dd>Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.</dd>
<dt id="gloss_h">H</dt>
<dt><dfn>High-Grade Bond</dfn></dt>
<dd>A bond with a rating of AAA or AA, the two highest ratings.</dd>
<dt><dfn>Hedge Fund</dfn></dt>
<dd>A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).</dd>
<dt id="gloss_i">I <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>IRA</abbr></dfn></dt>
<dd>Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.</dd>
<dt><dfn>Investment Mix</dfn></dt>
<dd>The combination of all the funds in your investment portfolio.</dd>
<dt id="gloss_j">J</dt>
<dt><dfn>January Effect</dfn></dt>
<dd>Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.</dd>
<dt><dfn>Joint Life Annuity</dfn></dt>
<dd>An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.</dd>
<dt><dfn>Junk Bond</dfn></dt>
<dd>A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.</dd>
<dt id="gloss_k">K</dt>
<dt><dfn>Kappa</dfn></dt>
<dd>A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.</dd>
<dt><dfn>Keogh Plan</dfn></dt>
<dd>A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.</dd>
<dt><dfn>Key Person Insurance</dfn></dt>
<dd>Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.</dd>
<dt><dfn>Krugerrand</dfn></dt>
<dd>Gold coin minted by the Republic of South Africa.</dd>
<dt id="gloss_l">L <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Loan Note</dfn></dt>
<dd>A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.</dd>
<dt><dfn>Loan Schedule</dfn></dt>
<dd>A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.</dd>
<dt id="gloss_m">M</dt>
<dt><dfn>Matching Funds</dfn></dt>
<dd>A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.</dd>
<dt><dfn>Money Market Fund</dfn></dt>
<dd>A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.</dd>
<dt><dfn>Mutual Funds</dfn></dt>
<dd>Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.</dd>
<dt id="gloss_n">N</dt>
<dt><dfn>Nasdaq Composite Index</dfn></dt>
<dd>A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.</dd>
<dt><dfn>New York Stock Exchange (NYSE)</dfn></dt>
<dd>The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.</dd>
<dt id="gloss_o">O <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Obligation Bond</dfn></dt>
<dd>Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.</dd>
<dt><dfn>Offering</dfn></dt>
<dd>The making available of a new securities to the public through an underwriting. Also called public offering.</dd>
<dt><dfn>Online Trading</dfn></dt>
<dd>The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.</dd>
<dt><dfn>Option</dfn></dt>
<dd>The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.</dd>
<dt id="gloss_p">P</dt>
<dt><dfn><abbr>PCRA</abbr></dfn></dt>
<dd>(Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.</dd>
<dt><dfn>Pending Transfer</dfn></dt>
<dd>A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.</dd>
<dt id="gloss_q">Q</dt>
<dt><dfn>Qualified Retirement Plan</dfn></dt>
<dd>A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.</dd>
<dt><dfn>Quarterly Report</dfn></dt>
<dd>Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.</dd>
<dt id="gloss_r">R <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Rate of Return</dfn></dt>
<dd>The rate of return on an investment, expressed as a percent of the total amount invested.</dd>
<dt><dfn>Rebalance (Investment Mix)</dfn></dt>
<dd>The process of changing your current investment mix to a new Investment Mix.</dd>
<dt><dfn>Rollover</dfn></dt>
<dd>A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.</dd>
<dt id="gloss_s">S</dt>
<dt><dfn>Savings Bond</dfn></dt>
<dd>A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.</dd>
<dt><dfn>Sector Fund</dfn></dt>
<dd>A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.</dd>
<dt><dfn>Strategic Allocation Fund (Multi asset class)</dfn></dt>
<dd>A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.</dd>
<dt id="gloss_t">T</dt>
<dt><dfn>Tender Offer</dfn></dt>
<dd>A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.</dd>
<dt><dfn>Time Horizon</dfn></dt>
<dd>The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.</dd>
<dt><dfn>Transfer</dfn></dt>
<dd>A function that moves account balances between various funds.</dd>
<dt><dfn>Transreferance Number</dfn></dt>
<dd>A number assigned to each transaction, consisting of a current date and a sequential number within that date.</dd>
<dt id="gloss_u">U <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Undervalued</dfn></dt>
<dd>Something whose price is below its perceived value.</dd>
<dt><dfn>Unit Value (NAV)</dfn></dt>
<dd>The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.</dd>
<dt><dfn>Unrealized Loss</dfn></dt>
<dd>Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.</dd>
<dt><dfn>U.S. Treasury Securities</dfn></dt>
<dd>Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.</dd>
<dt id="gloss_v">V</dt>
<dt><dfn>Value Fund</dfn></dt>
<dd>A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).</dd>
<dt><dfn>Vesting</dfn></dt>
<dd>Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.</dd>
<dt id="gloss_w">W</dt>
<dt><dfn>Weak Dollar</dfn></dt>
<dd>Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.</dd>
<dt><dfn>Windfall</dfn></dt>
<dd>Money received which was not expected and not a direct result of something the recipient did.</dd>
<dt><dfn>World Bank</dfn></dt>
<dd>An organization whose focus is on foreign exchange reserves and the balance of trade.</dd>
<dt id="gloss_x">X <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>X</abbr> or <abbr>XD</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.</dd>
<dt><dfn><abbr>XR</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.</dd>
<dt><dfn><abbr>XW</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is ex-warrants.</dd>
<dt id="gloss_y">Y</dt>
<dt><dfn>Yield to Maturity</dfn></dt>
<dd>Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.</dd>
<dt><dfn>Yankee Bond Market</dfn></dt>
<dd>Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.</dd>
<dt id="gloss_z">Z </dt>
<dt><dfn>Zero-Coupon Bond</dfn></dt>
<dd>A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.</dd>
<dt><dfn>Zero-Coupon Convertible</dfn></dt>
<dd>A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.</dd>
<dt id="gloss_num"># <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>401(k) Plan</dfn></dt>
<dd>A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.</dd>
<dt><dfn>403(b) Plan</dfn></dt>
<dd>A defined contribution plan established by certain tax exempt organizations and public schools for their employees.</dd>
<dt><dfn>457 Plan</dfn></dt>
<dd>A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.</dd>
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Security
- How safe are Internet transmissions between my computer and My TRSRetire?
Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).
As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.
- What is 128-bit encryption or U.S. Security?
To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.
- What are digital certificates?
Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.
- What is Secure Socket Layer (SSL)?
Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.
- What is https://?
While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.
- Please explain the safety of My TRSRetire on the Internet in greater detail.
Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.
All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.
Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.
My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.
Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.
- Why is it important to use the Sign Out button to exit your account?
Using the Sign Out button to exit will ensure the confidentially of your account.
- How safe are Internet transmissions between my computer and My TRSRetire?
This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.
To see a word and its's definition, select a letter from the menu to go to that section of the alphabet.
- A
- (Future) Allocations
- To distribute a percentage of money to one or more funds.
- B
- Back End Load
- A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.
- Bear Market
- A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.
- Benefits Administration
- The implementation and coordination of an employee benefits plan.
- C back to top
- Capital Gain
- The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.
- Closing Price
- The price of the last transaction for a given security at the end of a given trading session.
- Confirmation
- A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).
- Contribution Types
- The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.
- Contributions (Saving Rate)
- A portion of an employee / participant's current salary that is invested in a retirement plan.
- D
- Defined Contribution Plan
- A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.
- Defined Benefit Plan
- A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.
- Diversification
- Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.
- E
- Employee Stock Ownership Plan
- A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.
- F back to top
- Fiduciary
- An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.
- Front-End Load
- A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.
- G
- General Obligation Bond
- A municipal bond secured by the taxing and borrowing power of the municipality issuing it.
- GIC
- Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.
- H
- High-Grade Bond
- A bond with a rating of AAA or AA, the two highest ratings.
- Hedge Fund
- A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).
- I back to top
- IRA
- Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.
- Investment Mix
- The combination of all the funds in your investment portfolio.
- J
- January Effect
- Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.
- Joint Life Annuity
- An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.
- Junk Bond
- A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.
- K
- Kappa
- A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.
- Keogh Plan
- A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.
- Key Person Insurance
- Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.
- Krugerrand
- Gold coin minted by the Republic of South Africa.
- L back to top
- Loan Note
- A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.
- Loan Schedule
- A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.
- M
- Matching Funds
- A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.
- Money Market Fund
- A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.
- Mutual Funds
- Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.
- N
- Nasdaq Composite Index
- A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.
- New York Stock Exchange (NYSE)
- The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.
- O back to top
- Obligation Bond
- Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.
- Offering
- The making available of a new securities to the public through an underwriting. Also called public offering.
- Online Trading
- The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.
- Option
- The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.
- P
- PCRA
- (Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.
- Pending Transfer
- A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.
- Q
- Qualified Retirement Plan
- A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.
- Quarterly Report
- Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.
- R back to top
- Rate of Return
- The rate of return on an investment, expressed as a percent of the total amount invested.
- Rebalance (Investment Mix)
- The process of changing your current investment mix to a new Investment Mix.
- Rollover
- A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.
- S
- Savings Bond
- A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.
- Sector Fund
- A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.
- Strategic Allocation Fund (Multi asset class)
- A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.
- T
- Tender Offer
- A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.
- Time Horizon
- The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.
- Transfer
- A function that moves account balances between various funds.
- Transreferance Number
- A number assigned to each transaction, consisting of a current date and a sequential number within that date.
- U back to top
- Undervalued
- Something whose price is below its perceived value.
- Unit Value (NAV)
- The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.
- Unrealized Loss
- Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.
- U.S. Treasury Securities
- Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.
- V
- Value Fund
- A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).
- Vesting
- Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.
- W
- Weak Dollar
- Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.
- Windfall
- Money received which was not expected and not a direct result of something the recipient did.
- World Bank
- An organization whose focus is on foreign exchange reserves and the balance of trade.
- X back to top
- X or XD
- A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.
- XR
- A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.
- XW
- A symbol used by newspapers to signify that a stock is ex-warrants.
- Y
- Yield to Maturity
- Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.
- Yankee Bond Market
- Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.
- Z
- Zero-Coupon Bond
- A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.
- Zero-Coupon Convertible
- A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.
- # back to top
- 401(k) Plan
- A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.
- 403(b) Plan
- A defined contribution plan established by certain tax exempt organizations and public schools for their employees.
- 457 Plan
- A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.
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<div class="print-info-line2">INSERT LAST DATA UPDATE AT: HERE.</div>
<div class="print-info-line3">Date Printed: 04/10/16</div>
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</a>
</li>
</ul>
</li>
<!-- /Review -->
<!-- Manage -->
<li>
<a href="#nav_manage" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-settings" aria-hidden="true"></span>
Manage
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_manage">
<li>
<a href="#url" class="list-group-item selected">
Current Investments
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Future Allocations
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Transfers
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
PortfolioXpress®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Rollovers
</a>
</li>
</ul>
</li>
<!-- /Manage -->
<!-- Are You OnTrack®? -->
<li>
<a href="#nav_ontrack" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-on-track" aria-hidden="true"></span>
Are You OnTrack®?
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_ontrack">
<li>
<a href="#url" class="list-group-item selected">
Your Retirement Outlook®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Brighten Your Outlook®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Profile and Goals
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Retirement Accounts
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Retirement Incomes
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Budget and Withdrawals
</a>
</li>
</ul>
</li>
<!-- /Are You OnTrack®? -->
<!-- Resource Center -->
<li>
<a href="#nav_resources" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon glyphicon glyphicon-dashboard" aria-hidden="true"></span>
Resource Center
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_resources">
<li>
<a href="#url" class="list-group-item selected">
Calculators
</a>
</li>
</ul>
</li>
<!-- /Resource Center -->
<!-- Contact Us -->
<!--li>
<a href="#nav_contact" class="list-group-item nav--primary__head nav--primary__contact" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-phone-ring" aria-hidden="true"></span>
Contact Us
<span class="trs-utility--light">1-800-755-5801</span>
</a>
</li-->
<!-- /Contact Us -->
</ul>
</div>
</div>
</div>
</nav>
<!-- /Main Nav -->
</nav>
</div>
<!-- /sidebar -->
<!-- main area & col-xs-12 -->
<div class="non-responsive-swipe">
<div class="col-xs-12 col-sm-12 col-md-9 left-content-border right_panel">
<main class="row" id="main_content">
<!-- Begin "body" -->
<div class="col-xs-12 ">
<!-- YOUR CODE STARTS HERE. REMOVE THIS COMMENT AFTERWARDS. -->
<h1>Update Your Online Profile</h1>
<p>We've made some changes and need some additional information to update your profile.</p>
<form id="update_profile" method="post" action="#">
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<h3 class="heading-section">Change your username</h3>
<div class="row">
<div class="col-sm-4">
<div class="form-group">
<label for="username">Username</label>
<input id="username" type="text" placeholder="Text Input" class="form-control" value="jdoe1980!">
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</div>
<div class="col-sm-8">
<ul class="bulleted padding-left">
<li>Must be a minimum of 7 characters</li>
<li>Cannot be all numeric (ex: cannot be a serial number)</li>
<li>Cannot be an email address</li>
</ul>
</div>
</div>
<div class="row">
<hr>
</div>
<h3 class="heading-section">Please create a new password</h3>
<div class="row">
<div class="col-sm-4">
<div id="pwd-container">
<div class="form-group">
<label for="password">Password<sup class="required">*</sup></label>
<input type="password" class="form-control" id="password" placeholder="Password">
<div class="padding-top"><i>Password strength:</i> <strong><span class="pwstrength_viewport_verdicts"></span></strong></div>
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<div class="pwstrength_viewport_progress"></div>
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</div>
<div class="col-sm-4">
<div class="form-group">
<label for="pass">Re-Enter Password<sup class="required">*</sup></label>
<input id="text3" type="password" placeholder="Text Input" class="form-control" value="abcd1password">
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</div>
<div class="col-sm-4">
<div class="form-group">
<ul class="bulleted padding-left">
<li>Must be a minimum of 8 characters</li>
<li>Include three of the following:
a lower and upper case character, a
number and a special character.</li>
</ul>
</div>
</div>
</div>
<div class="row">
<hr>
</div>
<h3 class="heading-section__top">Do you want to add another email address to your account? (optional)</h3>
<p class="padding-bottom">Alternate email will be used for the following when provided: Authorization Security Code, eDelivery (when applicable), Password resets, and security alerts.</p>
<div class="row">
<div class="col-sm-5">
<div class="form-group">
<label for="pass">Alternate Email Address</label>
<input type="email" value="test@test.com" />
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</div>
<div class="col-sm-5">
<div class="form-group">
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<input type="email" value="test@test.com" />
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</div>
</div>
<div class="row">
<hr>
</div>
<h3 class="heading-section__top">Please select and answer three security questions to further protect your account.</h3>
<p class="padding-bottom">Choose answers you can remember without writing them down. Each answer must be a minimum of 3 characters.</p>
<div class="row">
<div class="col-sm-6">
<div class="form-group">
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<div class="form-group custom-select"> <span class="custom-select-inner"><span class="glyphicon glyphicon-XXX form-control-feedback" role="presentation"></span>
<select class="form-control">
<option>Select One</option>
<option></option>
<option></option>
<option></option>
</select>
</span> </div>
<input value="Answer to question 1">
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</div>
</div>
<div class="row">
<div class="col-sm-6">
<div class="form-group">
<label for="pass">Security Question 2<sup class="required">*</sup></label>
<div class="form-group custom-select"> <span class="custom-select-inner"><span class="glyphicon glyphicon-XXX form-control-feedback" role="presentation"></span>
<select class="form-control">
<option>Select One</option>
<option></option>
<option></option>
<option></option>
</select>
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<input value="Answer to question 2">
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</div>
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<div class="form-group">
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<option></option>
<option></option>
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</div>
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<div class="row">
<div class="col-xs-6">
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<div class="col-xs-6 text-right">
<p><i><sup class="required">*</sup>Required Fields</i></p>
</div>
</div>
</fieldset>
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<script type="text/javascript">
jQuery(document).ready(function() {
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viewports: {
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$('#password').pwstrength(options);
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</script>
<!-- /YOUR CODE ENDS HERE. REMOVE THIS COMMENT AFTERWARDS. -->
</div>
<!-- End "body" -->
</main>
<div class="container-fluid bg-gray-light-5 sso-footer row">
<div class="row">
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<h3 class="trs-footer__subhead ta-footer__socialmedia--heading"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:headline[1]"} -->Follow Us</h3>
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Kong</option>
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<h3 class="dxa-xpm-region-name">DisclaimerCommon, position: 0</h3>
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<li class="panel"> <a href="#ans_1" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_1" id="q_1">Are there any special browser requirements to use My TRSRetire?</a>
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<p>My TRSRetire has been optimized to work best in Microsoft Internet Explorer (version 8.0 or higher), as well as Google Chrome, Mozilla Firefox, and Apple Safari. To check the current version of Internet Explorer, select HELP in your browser menu, then choose ABOUT INTERNET EXPLORER. You can download a free copy of the latest version of Microsoft Internet Explorer, Firefox, Safari or Chrome by clicking on the appropriate button below.</p>
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<li class="panel"> <a href="#ans_2" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_2" id="q_2">If I am going to dial into the Internet, how do I disable call waiting?</a>
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<p>Insert *70 in front of the telephone number in the phone number dialogue box on your computer prior to dialing OR press *70 on your telephone and hang up the phone. Call waiting will be disabled for the next outgoing call made on the phone line. Call waiting will not be disabled for any further calls unless *70, is dialed again.</p>
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<li class="panel"> <a href="#ans_3" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_3" id="q_3">Why do I have trouble signing in from work?</a>
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<p>You may be behind a corporate firewall at work. The firewall serves to enforce security policy on your network. Often, administrators restrict encrypted information, like your Transamerica account information, from entering networks. Verify your restrictions by contacting your network administrator.</p>
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<h3>Signing In</h3>
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<li class="panel"> <a href="#ans_4" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_4">I haven't established a Username/Password. How do I create one?</a>
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<p>If you are a first time user select the GET STARTED button on the Sign In screen, it will take you to the Welcome Screen to create your Username and Password.</p>
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<li class="panel"> <a href="#ans_5" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_5">Why does My TRSRetire offer the option to use Username or Social Security Number for Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_5">
<p>Your personal information is very important to us. My TRSRetire offers the option of using either Username or Social Security Number for additional security.</p>
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</li>
<li class="panel"> <a href="#ans_9" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_9">How can I change my Username?</a>
<div role="tabpanel" class="collapse" id="ans_9">
<p>Select the change Username option in the Manage Profile section. You will be able to create a new Username or use your Social Security Number as your Username.</p>
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<li class="panel"> <a href="#ans_10" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_10">What if I forgot my Username?</a>
<div role="tabpanel" class="collapse" id="ans_10">
<p>Use your Social Security Number if you do not remember your Username.</p>
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<li class="panel"> <a href="#ans_6" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_6">What if I forgot my password?</a>
<div role="tabpanel" class="collapse" id="ans_6">
<p>Select the 'Lost your ID or password?' link on the Sign In screen. You will be required to enter your social security or username to have your password hint emailed to you. If you still do not remember your password, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative.</p>
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<li class="panel"> <a href="#ans_7" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_7">How do I change my password?</a>
<div role="tabpanel" class="collapse" id="ans_7">
<p>Select the 'Change Password' option in the Manage Profile section.</p>
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<li class="panel"> <a href="#ans_8" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_8">Why doesn't my password work when I try to Sign In?</a>
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<p>Make sure that you are entering your correct Username or Social Security Number and Password. If you are still unable to Sign In, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative or send us an email using Contact Us in Help.</p>
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<p>After three unsuccessful Sign In attempts, your account will be disabled.</p>
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<h3>Service</h3>
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<li class="panel"> <a href="#ans_11" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_11">What services does My TRSRetire provide?</a>
<div role="tabpanel" class="collapse" id="ans_11">
<p>My TRSRetire provides you with detailed fund information, transaction history, historical account balances and unit values. You also have access to online investment fund transfers and investment fund allocation changes as long as your plan doesn't have any special fund restrictions.</p>
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<li class="panel"> <a href="#ans_12" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_12">When is My TRSRetire available?</a>
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<p>My TRSRetire is accessible 24 hours a day, 7 days a week.</p>
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<li class="panel"> <a href="#ans_13" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_13">Can I print the information from My TRSRetire that appears on my monitor?</a>
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<p>Yes, you can print any screen using the supported Internet browsers. In Internet Explorer or Netscape, select FILE in your browser menu and then select PRINT. Make sure that you have the right printer selected before sending the file to the printer. If there is a print button available on the page, use the print button.</p>
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<div class="alert-message"> <strong>Note:</strong>
<p>Some screens will require you to print landscape in order to view all of the information on the screen. To do this in Internet Explorer, simply select File and Page Setup, and select the Landscape option. If you are using Netscape, select File and Print and then the Properties button. Select the Landscape option and then OK.</p>
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<li class="panel"> <a href="#ans_14" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_14">Why does the page cut off when I print?</a>
<div role="tabpanel" class="collapse" id="ans_14">
<p>Some pages may be too wide to print with your paper orientation set to PORTRAIT.</p>
<p>To change your paper orientation in Internet Explorer, select FILE on your browser menu and then select PAGE SETUP. In the lower left corner select LANDSCAPE and then select OK. When you are ready to print, select FILE on your browser menu then select PRINT. This setting should remain in effect until you change it.</p>
<p>To change your paper orientation in Netscape, wait until you are ready to print. When ready, select FILE on your browser menu and then select PRINT. After choosing your printer from the dropdown box, select PROPERTIES. Make sure that the PAPER tab is selected at the Select LANDSCAPE and then select OK. Select OK to print. This setting should remain in effect until you change it.</p>
</div>
</li>
<li class="panel"> <a href="#ans_15" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_15">When I select the Fund Hyperlinks, why do I get a blank screen?</a>
<div role="tabpanel" class="collapse" id="ans_15">
<p>If you double-click on the Fund Hyperlinks, the linked screen might be behind the current screen. All hyperlinks should be selected with a single mouse click.</p>
</div>
</li>
<li class="panel"> <a href="#ans_16" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_16">When I request changes to my account how can I ensure my request has been processed?</a>
<div role="tabpanel" class="collapse" id="ans_16">
<p>When you are requesting financial changes to your account, there will be a confirmation number displayed when the transaction is complete. Please make a note of the confirmation number.</p>
</div>
</li>
<li class="panel"> <a href="#ans_17" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_17">Whom do I contact for questions?</a>
<div role="tabpanel" class="collapse" id="ans_17">
<p>If you have any questions about this Web site please contact a Transamerica Retirement Solutions Representative at <a href="tel:+18007555801">800-755-5801</a> or send us an e-mail by using Contact Us in Help.</p>
</div>
</li>
<li class="panel"> <a href="#ans_18" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_18">How soon can I expect a response from using Contact Us?</a>
<div role="tabpanel" class="collapse" id="ans_18">
<p>Our standard response for most inquiries is within 24 hours.</p>
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</li>
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<li class="js-faq-group">
<h3>Security</h3>
<ol class="number-list" id="faq_list_4">
<li class="panel"> <a href="#ans_19" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_19">How safe are Internet transmissions between my computer and My TRSRetire?</a>
<div role="tabpanel" class="collapse" id="ans_19">
<p>Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).</p>
<p>As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.</p>
</div>
</li>
<li class="panel"> <a href="#ans_20" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_20">What is 128-bit encryption or U.S. Security?</a>
<div role="tabpanel" class="collapse" id="ans_20">
<p>To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.</p>
</div>
</li>
<li class="panel"> <a href="#ans_21" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_21">What are digital certificates?</a>
<div role="tabpanel" class="collapse" id="ans_21">
<p>Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.</p>
</div>
</li>
<li class="panel"> <a href="#ans_22" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_22">What is Secure Socket Layer (SSL)?</a>
<div role="tabpanel" class="collapse" id="ans_22">
<p>Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.</p>
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<li class="panel"> <a href="#ans_23" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_23">What is https://?</a>
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<p>While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.</p>
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<li class="panel"> <a href="#ans_24" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_24">Please explain the safety of My TRSRetire on the Internet in greater detail.</a>
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<p>Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.</p>
<p>All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.</p>
<p>Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.</p>
<p>My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.</p>
<p>Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.</p>
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<p>Using the Sign Out button to exit will ensure the confidentially of your account.</p>
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<p> This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.</p>
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<dl>
<dt id="gloss_a">A</dt>
<dt><dfn>(Future) Allocations</dfn></dt>
<dd>To distribute a percentage of money to one or more funds.</dd>
<dt id="gloss_b">B</dt>
<dt><dfn>Back End Load</dfn></dt>
<dd>A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.</dd>
<dt><dfn>Bear Market</dfn></dt>
<dd>A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.</dd>
<dt><dfn>Benefits Administration</dfn></dt>
<dd>The implementation and coordination of an employee benefits plan.</dd>
<dt id="gloss_c">C <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Capital Gain</dfn></dt>
<dd>The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.</dd>
<dt><dfn>Closing Price</dfn></dt>
<dd>The price of the last transaction for a given security at the end of a given trading session.</dd>
<dt><dfn>Confirmation</dfn></dt>
<dd>A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).</dd>
<dt><dfn>Contribution Types</dfn></dt>
<dd>The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.</dd>
<dt><dfn>Contributions (Saving Rate)</dfn></dt>
<dd>A portion of an employee / participant's current salary that is invested in a retirement plan.</dd>
<dt id="gloss_d">D</dt>
<dt><dfn>Defined Contribution Plan</dfn></dt>
<dd>A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.</dd>
<dt><dfn>Defined Benefit Plan</dfn></dt>
<dd>A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.</dd>
<dt><dfn>Diversification</dfn></dt>
<dd>Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.</dd>
<dt id="gloss_e">E</dt>
<dt><dfn>Employee Stock Ownership Plan</dfn></dt>
<dd>A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.</dd>
<dt id="gloss_f">F <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Fiduciary</dfn></dt>
<dd>An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.</dd>
<dt><dfn>Front-End Load</dfn></dt>
<dd>A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.</dd>
<dt id="gloss_g">G</dt>
<dt><dfn>General Obligation Bond</dfn></dt>
<dd>A municipal bond secured by the taxing and borrowing power of the municipality issuing it.</dd>
<dt><dfn><abbr>GIC</abbr></dfn></dt>
<dd>Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.</dd>
<dt id="gloss_h">H</dt>
<dt><dfn>High-Grade Bond</dfn></dt>
<dd>A bond with a rating of AAA or AA, the two highest ratings.</dd>
<dt><dfn>Hedge Fund</dfn></dt>
<dd>A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).</dd>
<dt id="gloss_i">I <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>IRA</abbr></dfn></dt>
<dd>Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.</dd>
<dt><dfn>Investment Mix</dfn></dt>
<dd>The combination of all the funds in your investment portfolio.</dd>
<dt id="gloss_j">J</dt>
<dt><dfn>January Effect</dfn></dt>
<dd>Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.</dd>
<dt><dfn>Joint Life Annuity</dfn></dt>
<dd>An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.</dd>
<dt><dfn>Junk Bond</dfn></dt>
<dd>A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.</dd>
<dt id="gloss_k">K</dt>
<dt><dfn>Kappa</dfn></dt>
<dd>A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.</dd>
<dt><dfn>Keogh Plan</dfn></dt>
<dd>A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.</dd>
<dt><dfn>Key Person Insurance</dfn></dt>
<dd>Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.</dd>
<dt><dfn>Krugerrand</dfn></dt>
<dd>Gold coin minted by the Republic of South Africa.</dd>
<dt id="gloss_l">L <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Loan Note</dfn></dt>
<dd>A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.</dd>
<dt><dfn>Loan Schedule</dfn></dt>
<dd>A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.</dd>
<dt id="gloss_m">M</dt>
<dt><dfn>Matching Funds</dfn></dt>
<dd>A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.</dd>
<dt><dfn>Money Market Fund</dfn></dt>
<dd>A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.</dd>
<dt><dfn>Mutual Funds</dfn></dt>
<dd>Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.</dd>
<dt id="gloss_n">N</dt>
<dt><dfn>Nasdaq Composite Index</dfn></dt>
<dd>A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.</dd>
<dt><dfn>New York Stock Exchange (NYSE)</dfn></dt>
<dd>The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.</dd>
<dt id="gloss_o">O <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Obligation Bond</dfn></dt>
<dd>Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.</dd>
<dt><dfn>Offering</dfn></dt>
<dd>The making available of a new securities to the public through an underwriting. Also called public offering.</dd>
<dt><dfn>Online Trading</dfn></dt>
<dd>The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.</dd>
<dt><dfn>Option</dfn></dt>
<dd>The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.</dd>
<dt id="gloss_p">P</dt>
<dt><dfn><abbr>PCRA</abbr></dfn></dt>
<dd>(Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.</dd>
<dt><dfn>Pending Transfer</dfn></dt>
<dd>A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.</dd>
<dt id="gloss_q">Q</dt>
<dt><dfn>Qualified Retirement Plan</dfn></dt>
<dd>A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.</dd>
<dt><dfn>Quarterly Report</dfn></dt>
<dd>Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.</dd>
<dt id="gloss_r">R <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Rate of Return</dfn></dt>
<dd>The rate of return on an investment, expressed as a percent of the total amount invested.</dd>
<dt><dfn>Rebalance (Investment Mix)</dfn></dt>
<dd>The process of changing your current investment mix to a new Investment Mix.</dd>
<dt><dfn>Rollover</dfn></dt>
<dd>A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.</dd>
<dt id="gloss_s">S</dt>
<dt><dfn>Savings Bond</dfn></dt>
<dd>A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.</dd>
<dt><dfn>Sector Fund</dfn></dt>
<dd>A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.</dd>
<dt><dfn>Strategic Allocation Fund (Multi asset class)</dfn></dt>
<dd>A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.</dd>
<dt id="gloss_t">T</dt>
<dt><dfn>Tender Offer</dfn></dt>
<dd>A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.</dd>
<dt><dfn>Time Horizon</dfn></dt>
<dd>The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.</dd>
<dt><dfn>Transfer</dfn></dt>
<dd>A function that moves account balances between various funds.</dd>
<dt><dfn>Transreferance Number</dfn></dt>
<dd>A number assigned to each transaction, consisting of a current date and a sequential number within that date.</dd>
<dt id="gloss_u">U <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Undervalued</dfn></dt>
<dd>Something whose price is below its perceived value.</dd>
<dt><dfn>Unit Value (NAV)</dfn></dt>
<dd>The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.</dd>
<dt><dfn>Unrealized Loss</dfn></dt>
<dd>Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.</dd>
<dt><dfn>U.S. Treasury Securities</dfn></dt>
<dd>Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.</dd>
<dt id="gloss_v">V</dt>
<dt><dfn>Value Fund</dfn></dt>
<dd>A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).</dd>
<dt><dfn>Vesting</dfn></dt>
<dd>Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.</dd>
<dt id="gloss_w">W</dt>
<dt><dfn>Weak Dollar</dfn></dt>
<dd>Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.</dd>
<dt><dfn>Windfall</dfn></dt>
<dd>Money received which was not expected and not a direct result of something the recipient did.</dd>
<dt><dfn>World Bank</dfn></dt>
<dd>An organization whose focus is on foreign exchange reserves and the balance of trade.</dd>
<dt id="gloss_x">X <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>X</abbr> or <abbr>XD</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.</dd>
<dt><dfn><abbr>XR</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.</dd>
<dt><dfn><abbr>XW</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is ex-warrants.</dd>
<dt id="gloss_y">Y</dt>
<dt><dfn>Yield to Maturity</dfn></dt>
<dd>Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.</dd>
<dt><dfn>Yankee Bond Market</dfn></dt>
<dd>Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.</dd>
<dt id="gloss_z">Z </dt>
<dt><dfn>Zero-Coupon Bond</dfn></dt>
<dd>A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.</dd>
<dt><dfn>Zero-Coupon Convertible</dfn></dt>
<dd>A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.</dd>
<dt id="gloss_num"># <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>401(k) Plan</dfn></dt>
<dd>A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.</dd>
<dt><dfn>403(b) Plan</dfn></dt>
<dd>A defined contribution plan established by certain tax exempt organizations and public schools for their employees.</dd>
<dt><dfn>457 Plan</dfn></dt>
<dd>A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.</dd>
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This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.
To see a word and its's definition, select a letter from the menu to go to that section of the alphabet.
- A
- (Future) Allocations
- To distribute a percentage of money to one or more funds.
- B
- Back End Load
- A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.
- Bear Market
- A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.
- Benefits Administration
- The implementation and coordination of an employee benefits plan.
- C back to top
- Capital Gain
- The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.
- Closing Price
- The price of the last transaction for a given security at the end of a given trading session.
- Confirmation
- A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).
- Contribution Types
- The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.
- Contributions (Saving Rate)
- A portion of an employee / participant's current salary that is invested in a retirement plan.
- D
- Defined Contribution Plan
- A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.
- Defined Benefit Plan
- A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.
- Diversification
- Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.
- E
- Employee Stock Ownership Plan
- A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.
- F back to top
- Fiduciary
- An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.
- Front-End Load
- A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.
- G
- General Obligation Bond
- A municipal bond secured by the taxing and borrowing power of the municipality issuing it.
- GIC
- Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.
- H
- High-Grade Bond
- A bond with a rating of AAA or AA, the two highest ratings.
- Hedge Fund
- A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).
- I back to top
- IRA
- Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.
- Investment Mix
- The combination of all the funds in your investment portfolio.
- J
- January Effect
- Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.
- Joint Life Annuity
- An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.
- Junk Bond
- A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.
- K
- Kappa
- A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.
- Keogh Plan
- A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.
- Key Person Insurance
- Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.
- Krugerrand
- Gold coin minted by the Republic of South Africa.
- L back to top
- Loan Note
- A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.
- Loan Schedule
- A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.
- M
- Matching Funds
- A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.
- Money Market Fund
- A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.
- Mutual Funds
- Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.
- N
- Nasdaq Composite Index
- A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.
- New York Stock Exchange (NYSE)
- The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.
- O back to top
- Obligation Bond
- Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.
- Offering
- The making available of a new securities to the public through an underwriting. Also called public offering.
- Online Trading
- The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.
- Option
- The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.
- P
- PCRA
- (Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.
- Pending Transfer
- A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.
- Q
- Qualified Retirement Plan
- A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.
- Quarterly Report
- Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.
- R back to top
- Rate of Return
- The rate of return on an investment, expressed as a percent of the total amount invested.
- Rebalance (Investment Mix)
- The process of changing your current investment mix to a new Investment Mix.
- Rollover
- A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.
- S
- Savings Bond
- A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.
- Sector Fund
- A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.
- Strategic Allocation Fund (Multi asset class)
- A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.
- T
- Tender Offer
- A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.
- Time Horizon
- The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.
- Transfer
- A function that moves account balances between various funds.
- Transreferance Number
- A number assigned to each transaction, consisting of a current date and a sequential number within that date.
- U back to top
- Undervalued
- Something whose price is below its perceived value.
- Unit Value (NAV)
- The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.
- Unrealized Loss
- Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.
- U.S. Treasury Securities
- Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.
- V
- Value Fund
- A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).
- Vesting
- Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.
- W
- Weak Dollar
- Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.
- Windfall
- Money received which was not expected and not a direct result of something the recipient did.
- World Bank
- An organization whose focus is on foreign exchange reserves and the balance of trade.
- X back to top
- X or XD
- A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.
- XR
- A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.
- XW
- A symbol used by newspapers to signify that a stock is ex-warrants.
- Y
- Yield to Maturity
- Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.
- Yankee Bond Market
- Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.
- Z
- Zero-Coupon Bond
- A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.
- Zero-Coupon Convertible
- A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.
- # back to top
- 401(k) Plan
- A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.
- 403(b) Plan
- A defined contribution plan established by certain tax exempt organizations and public schools for their employees.
- 457 Plan
- A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.
templates-main-layout-sso
HTML
<div class="page-container">
<div class="container-fluid">
<!-- top navbar -->
<header>
<div class="row trs-header no-padding">
<!-- Page Header -->
<div class="print-page-header">
<img src="../../images/trs-logo-166px.png" class="ta-logo-print" alt="TRS Logo Desktop">
<div class="print-header-info">
<div class="print-info-line1">1-800-Pyramid (797-2643)</div>
<div class="print-info-line2">INSERT LAST DATA UPDATE AT: HERE.</div>
<div class="print-info-line3">Date Printed: 04/10/16</div>
</div>
</div>
<div class="subnavbar" role="navigation">
<div class="row"> <a class="sr-only" href="#main_content">Skip to main content</a><!-- keep this for ada compliance -->
<div class="col-xs-2 col-sm-4 hidden-md hidden-lg">
<div class="btn--menu">
<button type="button" class="btn--menu__btn">
<span class="sr-only">Tap to expand or collapse navigation</span>
<span class="icon-bar" role="presentation"></span> <span class="icon-bar" role="presentation"></span> <span class="icon-bar" role="presentation"></span> </button>
<div class="btn--menu__text">Menu</div>
</div>
</div>
<div class="col-xs-8 col-md-2 col-sm-4 text-center">
<a class="logo-link text-center" href="">
<img src="../../images/trs-mobile-logo.png" class="logo visible-xs" alt="TRS Logo Mobile" /> <img src="../../images/trs-logo-166px.png" class="logo hidden-xs" alt="TRS Logo Desktop" /> </a>
</div>
<div class="hidden-xs hidden-sm col-md-8">
<div class="pull-right">
<a class="link link--style1__larrow" href="http://www.transamerica.com"><span>My Transamerica Products</span></a>
<ul>
<li class="dropdown">
<a id="hdr_dd_comm" href="#" class="dropdown-toggle" data-target="#" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false" aria-label="Communications Menu">
<span class="glyphicon glyphicon-envelope" role="presentation"></span> Messages <span class="glyphicon glyphicon-menu-down" role="presentation"></span></a>
<ul class="dropdown-menu" role="menu" aria-labelledby="hdr_dd_comm">
<li><a href="#" title="Action" role="menuitem">Action</a></li>
<li><a href="#" title="Another Action" role="menuitem">Another Action</a></li>
<li><a href="#" title="Something else here" role="menuitem">Something else here</a></li>
<li><a href="#" title="Separated link" role="menuitem">Separated link</a></li>
<li><a href="#" title="One more separated link" role="menuitem">One more separated link</a></li>
</ul>
</li>
</ul> <ul>
<li class="dropdown">
<a id="hdr_dd_usr" href="#" class="dropdown-toggle" data-target="#" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false" aria-label="User Options Menu">
<span class="glyphicon glyphicon-user" role="presentation"></span> My Profile <span class="glyphicon glyphicon-menu-down" role="presentation"></span></a>
<ul class="dropdown-menu" role="menu" aria-labelledby="hdr_dd_usr">
<li><a href="#" title="Action" role="menuitem">Action</a></li>
<li><a href="#" title="Another Action" role="menuitem">Another Action</a></li>
<li><a href="#" title="Something else here" role="menuitem">Something else here</a></li>
<li><a href="#" title="Separated link" role="menuitem">Separated link</a></li>
<li><a href="#" title="One more separated link" role="menuitem">One more separated link</a></li>
</ul>
</li>
</ul> </div>
</div>
<div class="col-xs-2 col-sm-4 col-md-2">
<button type="button" class="btn btn-logout "><span class="trs-icons-lock hidden-xs" role="presentation"></span>LOG OUT</button>
</div>
</div>
</div>
<!-- /Page Header -->
</div>
<div class="row hidden-xs">
<ul class="breadcrumbs clearfix" id="crumb_box" aria-label="Summary of account">
<li class="home" id="">Update Profile</li>
<li class="separator" id=""><div></div></li>
<li class="" id="">(placeholder)</li>
</ul> </div>
</header>
<!-- /top navbar -->
<!-- mobile only phone number bar -->
<div class="mobile-phone row"><span class="icon trs-icons-phone" aria-hidden="true"></span><a href="tel://1-800-797-2643">1-800-PYRAMID</a></div> <!-- /mobile only phone number bar -->
<div class="row">
<!-- sidebar -->
<div class="col-xs-12 col-sm-3 left_sidebar sidebar-offcanvas [ hidden-xs hidden-sm ]" id="sidebar" role="navigation">
<nav id="myNavmenu" class="trs-nav navmenu navmenu-default" role="navigation">
<!-- Main Nav -->
<nav class="nav--primary" data-ui-component="Main Nav">
<div class="row">
<div id="desktop_primary_nav" role="tablist" aria-multiselectable="true">
<div class="panel menuwrapper">
<ul class="menu">
<!-- Home -->
<li>
<a href="#nav_home" class="list-group-item nav--primary__head collapsed selected" data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-home" aria-hidden="true"></span>
Home
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_home">
<li>
<a href="#url" class="list-group-item selected">
Overview
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Balance
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
e-Documents
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Account Summary
</a>
</li>
</ul>
</li>
<!-- /Home -->
<!-- Review -->
<li>
<a href="#nav_review" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-eye" aria-hidden="true"></span>
Review
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_review">
<li>
<a href="#url" class="list-group-item selected">
Fund and Fee Information
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Activity Summary
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Activity Details
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Disbursement Details
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Distribution Details
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Unit Values
</a>
</li>
</ul>
</li>
<!-- /Review -->
<!-- Manage -->
<li>
<a href="#nav_manage" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-settings" aria-hidden="true"></span>
Manage
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_manage">
<li>
<a href="#url" class="list-group-item selected">
Current Investments
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Future Allocations
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Transfers
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
PortfolioXpress®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Rollovers
</a>
</li>
</ul>
</li>
<!-- /Manage -->
<!-- Are You OnTrack®? -->
<li>
<a href="#nav_ontrack" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-on-track" aria-hidden="true"></span>
Are You OnTrack®?
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_ontrack">
<li>
<a href="#url" class="list-group-item selected">
Your Retirement Outlook®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Brighten Your Outlook®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Profile and Goals
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Retirement Accounts
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Retirement Incomes
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Budget and Withdrawals
</a>
</li>
</ul>
</li>
<!-- /Are You OnTrack®? -->
<!-- Resource Center -->
<li>
<a href="#nav_resources" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon glyphicon glyphicon-dashboard" aria-hidden="true"></span>
Resource Center
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_resources">
<li>
<a href="#url" class="list-group-item selected">
Calculators
</a>
</li>
</ul>
</li>
<!-- /Resource Center -->
<!-- Contact Us -->
<!--li>
<a href="#nav_contact" class="list-group-item nav--primary__head nav--primary__contact" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-phone-ring" aria-hidden="true"></span>
Contact Us
<span class="trs-utility--light">1-800-755-5801</span>
</a>
</li-->
<!-- /Contact Us -->
</ul>
</div>
</div>
</div>
</nav>
<!-- /Main Nav -->
</nav>
</div>
<!-- /sidebar -->
<!-- main area & col-xs-12 -->
<div class="non-responsive-swipe">
<div class="col-xs-12 col-sm-12 col-md-9 left-content-border right_panel">
<main class="row" id="main_content">
<!-- Begin "body" -->
<div class="col-xs-12 ">
<!-- YOUR CODE STARTS HERE. REMOVE THIS COMMENT AFTERWARDS. -->
<h1>Unrecognized Device</h1>
<form id="update_profile" method="post" action="#">
<fieldset>
<h3 class="heading-section">Because you haven't logged in from this device before, we need to
verify your identity.</h3>
<div class="row">
<div class="col-sm-6">
<div class="field-container">
<label for="question1">What's your favorite food?</label>
<input type="text" id="question1" name="question1" value="" />
<p class="padding-top"><a href=""><img src="../../../images/rotate.png" width="28" height="29" alt=""/> <strong>Get another question</strong></a></p>
</div>
</div>
</div>
<div class="row">
<hr>
</div>
<h3 class="heading-section">Remember this device?<sup class="required">*</sup></h3>
<div class="row">
<div class="col-xs-12 col-sm-6">
<div class="field-container">
<div class="col-xs-2">
<input type="radio" id="yes" name="device" >
<label for="yes"><span role="radio"></span></label>
</div>
<div class="col-xs-10"><strong>Yes</strong>, this is a private device. Make my login easier next time.</div>
</div>
</div>
<div class="col-xs-12 col-sm-6 padding-top-md__mobile">
<div class="field-container">
<div class="col-xs-2">
<input type="radio" id="no" name="device" >
<label for="no"><span role="radio"></span></label>
</div>
<div class="col-xs-10"><strong>No</strong>, this is a shared or public device. Be sure to ask security questions every time.</div>
</div>
</div>
</div>
<div class="row padding-top-lg">
<div class="col-sm-6">
<button type="button" class="btn btn-primary">LOGIN</button>
<button type="button" class="btn btn-secondary">Cancel</button>
</div>
<div class="col-sm-6 text-right">
<p><i><sup class="required">*</sup>Required Fields</i></p>
</div>
</div>
</fieldset>
</form>
<!-- /YOUR CODE ENDS HERE. REMOVE THIS COMMENT AFTERWARDS. -->
</div>
<!-- End "body" -->
</main>
<div class="container-fluid bg-gray-light-5 sso-footer row">
<div class="row">
<div class="col-xs-12 ta-footer__socialmedia"><!-- Start Component Presentation: {"ComponentID" : "tcm:100-60576", "ComponentModified" : "2016-04-25T10:41:29", "ComponentTemplateID" : "tcm:100-60577-32", "ComponentTemplateModified" : "2015-12-16T09:58:09", "IsRepositoryPublished" : false} -->
<div class="container-fluid trs-footer--col-border text-center js-eq-ht-div">
<h3 class="trs-footer__subhead ta-footer__socialmedia--heading"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:headline[1]"} -->Follow Us</h3>
<a class="trs-icon-circle" id="100_60576_60577_0" target="_blank" href="https://www.linkedIn.com/company/transamerica" title="LinkedIn"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[1]"} --><span class="trs-icons-li" role="presentation"></span><span class="sr-only">LinkedIn</span></a> <a class="trs-icon-circle" id="100_60576_60577_1" target="_blank" href="https://www.facebook.com/Transamerica" title="Facebook"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[2]"} --><span class="trs-icons-fb" role="presentation"></span><span class="sr-only">Facebook</span></a> <a class="trs-icon-circle" id="100_60576_60577_2" target="_blank" href="https://twitter.com/transamerica" title="Twitter"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[3]"} --><span class="trs-icons-tw" role="presentation"></span><span class="sr-only">Twitter</span></a> <a class="trs-icon-circle" id="100_60576_60577_3" target="_blank" href="https://plus.google.com/+transamerica/" title="Google+"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[4]"} --><span class="trs-icons-g" role="presentation"></span><span class="sr-only">Google+</span></a> <a class="trs-icon-circle" id="100_60576_60577_4" target="_blank" href="http://www.pinterest.com/transamerica/" title="Pinterest"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[5]"} --><span class="trs-icons-pin" role="presentation"></span><span class="sr-only">Pinterest</span></a> <a class="trs-icon-circle" id="100_60576_60577_5" target="_blank" href="http://www.youtube.com/transamerica" title="YouTube"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[6]"} --><span class="trs-icons-youtube" role="presentation"></span><span class="sr-only">YouTube</span></a> <a class="trs-icon-circle" id="100_60576_60577_6" target="_blank" href="http://instagram.com/transamerica" title="Instagram"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[7]"} --><span class="trs-icons-insta" role="presentation"></span><span class="sr-only">Instagram</span></a> <a class="trs-icon-circle" id="100_60576_60577_7" target="_blank" href="https://www.tumblr.com/tagged/transamerica" title="Tumblr"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[8]"} --><span class="trs-icons-tumblr" role="presentation"></span><span class="sr-only">Tumblr</span></a> </div>
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<li class="panel"> <a href="#ans_2" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_2" id="q_2">If I am going to dial into the Internet, how do I disable call waiting?</a>
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<p>Insert *70 in front of the telephone number in the phone number dialogue box on your computer prior to dialing OR press *70 on your telephone and hang up the phone. Call waiting will be disabled for the next outgoing call made on the phone line. Call waiting will not be disabled for any further calls unless *70, is dialed again.</p>
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<li class="panel"> <a href="#ans_3" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_3" id="q_3">Why do I have trouble signing in from work?</a>
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<p>You may be behind a corporate firewall at work. The firewall serves to enforce security policy on your network. Often, administrators restrict encrypted information, like your Transamerica account information, from entering networks. Verify your restrictions by contacting your network administrator.</p>
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<h3>Signing In</h3>
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<li class="panel"> <a href="#ans_4" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_4">I haven't established a Username/Password. How do I create one?</a>
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<p>If you are a first time user select the GET STARTED button on the Sign In screen, it will take you to the Welcome Screen to create your Username and Password.</p>
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<li class="panel"> <a href="#ans_5" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_5">Why does My TRSRetire offer the option to use Username or Social Security Number for Sign In?</a>
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<p>Your personal information is very important to us. My TRSRetire offers the option of using either Username or Social Security Number for additional security.</p>
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<li class="panel"> <a href="#ans_9" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_9">How can I change my Username?</a>
<div role="tabpanel" class="collapse" id="ans_9">
<p>Select the change Username option in the Manage Profile section. You will be able to create a new Username or use your Social Security Number as your Username.</p>
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<li class="panel"> <a href="#ans_10" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_10">What if I forgot my Username?</a>
<div role="tabpanel" class="collapse" id="ans_10">
<p>Use your Social Security Number if you do not remember your Username.</p>
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<li class="panel"> <a href="#ans_6" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_6">What if I forgot my password?</a>
<div role="tabpanel" class="collapse" id="ans_6">
<p>Select the 'Lost your ID or password?' link on the Sign In screen. You will be required to enter your social security or username to have your password hint emailed to you. If you still do not remember your password, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative.</p>
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<li class="panel"> <a href="#ans_7" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_7">How do I change my password?</a>
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<p>Select the 'Change Password' option in the Manage Profile section.</p>
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<li class="panel"> <a href="#ans_8" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_8">Why doesn't my password work when I try to Sign In?</a>
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<p>Make sure that you are entering your correct Username or Social Security Number and Password. If you are still unable to Sign In, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative or send us an email using Contact Us in Help.</p>
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<li class="panel"> <a href="#ans_11" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_11">What services does My TRSRetire provide?</a>
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<p>My TRSRetire provides you with detailed fund information, transaction history, historical account balances and unit values. You also have access to online investment fund transfers and investment fund allocation changes as long as your plan doesn't have any special fund restrictions.</p>
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<li class="panel"> <a href="#ans_12" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_12">When is My TRSRetire available?</a>
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<p>My TRSRetire is accessible 24 hours a day, 7 days a week.</p>
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<li class="panel"> <a href="#ans_13" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_13">Can I print the information from My TRSRetire that appears on my monitor?</a>
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<p>Yes, you can print any screen using the supported Internet browsers. In Internet Explorer or Netscape, select FILE in your browser menu and then select PRINT. Make sure that you have the right printer selected before sending the file to the printer. If there is a print button available on the page, use the print button.</p>
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<p>Some screens will require you to print landscape in order to view all of the information on the screen. To do this in Internet Explorer, simply select File and Page Setup, and select the Landscape option. If you are using Netscape, select File and Print and then the Properties button. Select the Landscape option and then OK.</p>
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<li class="panel"> <a href="#ans_14" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_14">Why does the page cut off when I print?</a>
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<p>Some pages may be too wide to print with your paper orientation set to PORTRAIT.</p>
<p>To change your paper orientation in Internet Explorer, select FILE on your browser menu and then select PAGE SETUP. In the lower left corner select LANDSCAPE and then select OK. When you are ready to print, select FILE on your browser menu then select PRINT. This setting should remain in effect until you change it.</p>
<p>To change your paper orientation in Netscape, wait until you are ready to print. When ready, select FILE on your browser menu and then select PRINT. After choosing your printer from the dropdown box, select PROPERTIES. Make sure that the PAPER tab is selected at the Select LANDSCAPE and then select OK. Select OK to print. This setting should remain in effect until you change it.</p>
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<li class="panel"> <a href="#ans_15" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_15">When I select the Fund Hyperlinks, why do I get a blank screen?</a>
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<p>If you double-click on the Fund Hyperlinks, the linked screen might be behind the current screen. All hyperlinks should be selected with a single mouse click.</p>
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<li class="panel"> <a href="#ans_16" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_16">When I request changes to my account how can I ensure my request has been processed?</a>
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<p>When you are requesting financial changes to your account, there will be a confirmation number displayed when the transaction is complete. Please make a note of the confirmation number.</p>
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<li class="panel"> <a href="#ans_17" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_17">Whom do I contact for questions?</a>
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<p>If you have any questions about this Web site please contact a Transamerica Retirement Solutions Representative at <a href="tel:+18007555801">800-755-5801</a> or send us an e-mail by using Contact Us in Help.</p>
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<li class="panel"> <a href="#ans_18" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_18">How soon can I expect a response from using Contact Us?</a>
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<p>Our standard response for most inquiries is within 24 hours.</p>
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<h3>Security</h3>
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<li class="panel"> <a href="#ans_19" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_19">How safe are Internet transmissions between my computer and My TRSRetire?</a>
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<p>Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).</p>
<p>As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.</p>
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</li>
<li class="panel"> <a href="#ans_20" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_20">What is 128-bit encryption or U.S. Security?</a>
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<p>To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.</p>
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</li>
<li class="panel"> <a href="#ans_21" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_21">What are digital certificates?</a>
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<p>Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.</p>
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<li class="panel"> <a href="#ans_22" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_22">What is Secure Socket Layer (SSL)?</a>
<div role="tabpanel" class="collapse" id="ans_22">
<p>Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.</p>
</div>
</li>
<li class="panel"> <a href="#ans_23" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_23">What is https://?</a>
<div role="tabpanel" class="collapse" id="ans_23">
<p>While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.</p>
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<li class="panel"> <a href="#ans_24" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_24">Please explain the safety of My TRSRetire on the Internet in greater detail.</a>
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<p>Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.</p>
<p>All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.</p>
<p>Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.</p>
<p>My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.</p>
<p>Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.</p>
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<li class="panel"> <a href="#ans_25" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_25">Why is it important to use the Sign Out button to exit your account?</a>
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<p>Using the Sign Out button to exit will ensure the confidentially of your account.</p>
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<div role="tabpanel" class="tab-pane panel__glossary" id="glossary_tab">
<p> This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.</p>
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<li><a href="#gloss_a" role="navigation" class="navbar-btn js-gloss-scroll">A</a></li>
<li><a href="#gloss_b" role="navigation" class="navbar-btn js-gloss-scroll">B</a></li>
<li><a href="#gloss_c" role="navigation" class="navbar-btn js-gloss-scroll">C</a></li>
<li><a href="#gloss_d" role="navigation" class="navbar-btn js-gloss-scroll">D</a></li>
<li><a href="#gloss_e" role="navigation" class="navbar-btn js-gloss-scroll">E</a></li>
<li><a href="#gloss_f" role="navigation" class="navbar-btn js-gloss-scroll">F</a></li>
<li><a href="#gloss_g" role="navigation" class="navbar-btn js-gloss-scroll">G</a></li>
<li><a href="#gloss_h" role="navigation" class="navbar-btn js-gloss-scroll">H</a></li>
<li><a href="#gloss_i" role="navigation" class="navbar-btn js-gloss-scroll">I</a></li>
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<li><a href="#gloss_k" role="navigation" class="navbar-btn js-gloss-scroll">K</a></li>
<li><a href="#gloss_l" role="navigation" class="navbar-btn js-gloss-scroll">L</a></li>
<li><a href="#gloss_m" role="navigation" class="navbar-btn js-gloss-scroll">M</a></li>
<li><a href="#gloss_n" role="navigation" class="navbar-btn js-gloss-scroll">N</a></li>
<li><a href="#gloss_o" role="navigation" class="navbar-btn js-gloss-scroll">O</a></li>
<li><a href="#gloss_p" role="navigation" class="navbar-btn js-gloss-scroll">P</a></li>
<li><a href="#gloss_q" role="navigation" class="navbar-btn js-gloss-scroll">Q</a></li>
<li><a href="#gloss_r" role="navigation" class="navbar-btn js-gloss-scroll">R</a></li>
<li><a href="#gloss_s" role="navigation" class="navbar-btn js-gloss-scroll">S</a></li>
<li><a href="#gloss_t" role="navigation" class="navbar-btn js-gloss-scroll">T</a></li>
<li><a href="#gloss_u" role="navigation" class="navbar-btn js-gloss-scroll">U</a></li>
<li><a href="#gloss_v" role="navigation" class="navbar-btn js-gloss-scroll">V</a></li>
<li><a href="#gloss_w" role="navigation" class="navbar-btn js-gloss-scroll">W</a></li>
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<li><a href="#gloss_y" role="navigation" class="navbar-btn js-gloss-scroll">Y</a></li>
<li><a href="#gloss_z" role="navigation" class="navbar-btn js-gloss-scroll">Z</a></li>
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<dl>
<dt id="gloss_a">A</dt>
<dt><dfn>(Future) Allocations</dfn></dt>
<dd>To distribute a percentage of money to one or more funds.</dd>
<dt id="gloss_b">B</dt>
<dt><dfn>Back End Load</dfn></dt>
<dd>A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.</dd>
<dt><dfn>Bear Market</dfn></dt>
<dd>A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.</dd>
<dt><dfn>Benefits Administration</dfn></dt>
<dd>The implementation and coordination of an employee benefits plan.</dd>
<dt id="gloss_c">C <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Capital Gain</dfn></dt>
<dd>The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.</dd>
<dt><dfn>Closing Price</dfn></dt>
<dd>The price of the last transaction for a given security at the end of a given trading session.</dd>
<dt><dfn>Confirmation</dfn></dt>
<dd>A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).</dd>
<dt><dfn>Contribution Types</dfn></dt>
<dd>The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.</dd>
<dt><dfn>Contributions (Saving Rate)</dfn></dt>
<dd>A portion of an employee / participant's current salary that is invested in a retirement plan.</dd>
<dt id="gloss_d">D</dt>
<dt><dfn>Defined Contribution Plan</dfn></dt>
<dd>A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.</dd>
<dt><dfn>Defined Benefit Plan</dfn></dt>
<dd>A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.</dd>
<dt><dfn>Diversification</dfn></dt>
<dd>Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.</dd>
<dt id="gloss_e">E</dt>
<dt><dfn>Employee Stock Ownership Plan</dfn></dt>
<dd>A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.</dd>
<dt id="gloss_f">F <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Fiduciary</dfn></dt>
<dd>An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.</dd>
<dt><dfn>Front-End Load</dfn></dt>
<dd>A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.</dd>
<dt id="gloss_g">G</dt>
<dt><dfn>General Obligation Bond</dfn></dt>
<dd>A municipal bond secured by the taxing and borrowing power of the municipality issuing it.</dd>
<dt><dfn><abbr>GIC</abbr></dfn></dt>
<dd>Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.</dd>
<dt id="gloss_h">H</dt>
<dt><dfn>High-Grade Bond</dfn></dt>
<dd>A bond with a rating of AAA or AA, the two highest ratings.</dd>
<dt><dfn>Hedge Fund</dfn></dt>
<dd>A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).</dd>
<dt id="gloss_i">I <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>IRA</abbr></dfn></dt>
<dd>Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.</dd>
<dt><dfn>Investment Mix</dfn></dt>
<dd>The combination of all the funds in your investment portfolio.</dd>
<dt id="gloss_j">J</dt>
<dt><dfn>January Effect</dfn></dt>
<dd>Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.</dd>
<dt><dfn>Joint Life Annuity</dfn></dt>
<dd>An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.</dd>
<dt><dfn>Junk Bond</dfn></dt>
<dd>A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.</dd>
<dt id="gloss_k">K</dt>
<dt><dfn>Kappa</dfn></dt>
<dd>A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.</dd>
<dt><dfn>Keogh Plan</dfn></dt>
<dd>A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.</dd>
<dt><dfn>Key Person Insurance</dfn></dt>
<dd>Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.</dd>
<dt><dfn>Krugerrand</dfn></dt>
<dd>Gold coin minted by the Republic of South Africa.</dd>
<dt id="gloss_l">L <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Loan Note</dfn></dt>
<dd>A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.</dd>
<dt><dfn>Loan Schedule</dfn></dt>
<dd>A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.</dd>
<dt id="gloss_m">M</dt>
<dt><dfn>Matching Funds</dfn></dt>
<dd>A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.</dd>
<dt><dfn>Money Market Fund</dfn></dt>
<dd>A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.</dd>
<dt><dfn>Mutual Funds</dfn></dt>
<dd>Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.</dd>
<dt id="gloss_n">N</dt>
<dt><dfn>Nasdaq Composite Index</dfn></dt>
<dd>A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.</dd>
<dt><dfn>New York Stock Exchange (NYSE)</dfn></dt>
<dd>The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.</dd>
<dt id="gloss_o">O <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Obligation Bond</dfn></dt>
<dd>Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.</dd>
<dt><dfn>Offering</dfn></dt>
<dd>The making available of a new securities to the public through an underwriting. Also called public offering.</dd>
<dt><dfn>Online Trading</dfn></dt>
<dd>The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.</dd>
<dt><dfn>Option</dfn></dt>
<dd>The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.</dd>
<dt id="gloss_p">P</dt>
<dt><dfn><abbr>PCRA</abbr></dfn></dt>
<dd>(Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.</dd>
<dt><dfn>Pending Transfer</dfn></dt>
<dd>A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.</dd>
<dt id="gloss_q">Q</dt>
<dt><dfn>Qualified Retirement Plan</dfn></dt>
<dd>A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.</dd>
<dt><dfn>Quarterly Report</dfn></dt>
<dd>Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.</dd>
<dt id="gloss_r">R <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Rate of Return</dfn></dt>
<dd>The rate of return on an investment, expressed as a percent of the total amount invested.</dd>
<dt><dfn>Rebalance (Investment Mix)</dfn></dt>
<dd>The process of changing your current investment mix to a new Investment Mix.</dd>
<dt><dfn>Rollover</dfn></dt>
<dd>A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.</dd>
<dt id="gloss_s">S</dt>
<dt><dfn>Savings Bond</dfn></dt>
<dd>A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.</dd>
<dt><dfn>Sector Fund</dfn></dt>
<dd>A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.</dd>
<dt><dfn>Strategic Allocation Fund (Multi asset class)</dfn></dt>
<dd>A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.</dd>
<dt id="gloss_t">T</dt>
<dt><dfn>Tender Offer</dfn></dt>
<dd>A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.</dd>
<dt><dfn>Time Horizon</dfn></dt>
<dd>The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.</dd>
<dt><dfn>Transfer</dfn></dt>
<dd>A function that moves account balances between various funds.</dd>
<dt><dfn>Transreferance Number</dfn></dt>
<dd>A number assigned to each transaction, consisting of a current date and a sequential number within that date.</dd>
<dt id="gloss_u">U <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Undervalued</dfn></dt>
<dd>Something whose price is below its perceived value.</dd>
<dt><dfn>Unit Value (NAV)</dfn></dt>
<dd>The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.</dd>
<dt><dfn>Unrealized Loss</dfn></dt>
<dd>Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.</dd>
<dt><dfn>U.S. Treasury Securities</dfn></dt>
<dd>Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.</dd>
<dt id="gloss_v">V</dt>
<dt><dfn>Value Fund</dfn></dt>
<dd>A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).</dd>
<dt><dfn>Vesting</dfn></dt>
<dd>Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.</dd>
<dt id="gloss_w">W</dt>
<dt><dfn>Weak Dollar</dfn></dt>
<dd>Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.</dd>
<dt><dfn>Windfall</dfn></dt>
<dd>Money received which was not expected and not a direct result of something the recipient did.</dd>
<dt><dfn>World Bank</dfn></dt>
<dd>An organization whose focus is on foreign exchange reserves and the balance of trade.</dd>
<dt id="gloss_x">X <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>X</abbr> or <abbr>XD</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.</dd>
<dt><dfn><abbr>XR</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.</dd>
<dt><dfn><abbr>XW</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is ex-warrants.</dd>
<dt id="gloss_y">Y</dt>
<dt><dfn>Yield to Maturity</dfn></dt>
<dd>Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.</dd>
<dt><dfn>Yankee Bond Market</dfn></dt>
<dd>Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.</dd>
<dt id="gloss_z">Z </dt>
<dt><dfn>Zero-Coupon Bond</dfn></dt>
<dd>A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.</dd>
<dt><dfn>Zero-Coupon Convertible</dfn></dt>
<dd>A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.</dd>
<dt id="gloss_num"># <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>401(k) Plan</dfn></dt>
<dd>A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.</dd>
<dt><dfn>403(b) Plan</dfn></dt>
<dd>A defined contribution plan established by certain tax exempt organizations and public schools for their employees.</dd>
<dt><dfn>457 Plan</dfn></dt>
<dd>A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.</dd>
</dl>
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This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.
To see a word and its's definition, select a letter from the menu to go to that section of the alphabet.
- A
- (Future) Allocations
- To distribute a percentage of money to one or more funds.
- B
- Back End Load
- A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.
- Bear Market
- A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.
- Benefits Administration
- The implementation and coordination of an employee benefits plan.
- C back to top
- Capital Gain
- The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.
- Closing Price
- The price of the last transaction for a given security at the end of a given trading session.
- Confirmation
- A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).
- Contribution Types
- The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.
- Contributions (Saving Rate)
- A portion of an employee / participant's current salary that is invested in a retirement plan.
- D
- Defined Contribution Plan
- A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.
- Defined Benefit Plan
- A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.
- Diversification
- Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.
- E
- Employee Stock Ownership Plan
- A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.
- F back to top
- Fiduciary
- An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.
- Front-End Load
- A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.
- G
- General Obligation Bond
- A municipal bond secured by the taxing and borrowing power of the municipality issuing it.
- GIC
- Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.
- H
- High-Grade Bond
- A bond with a rating of AAA or AA, the two highest ratings.
- Hedge Fund
- A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).
- I back to top
- IRA
- Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.
- Investment Mix
- The combination of all the funds in your investment portfolio.
- J
- January Effect
- Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.
- Joint Life Annuity
- An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.
- Junk Bond
- A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.
- K
- Kappa
- A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.
- Keogh Plan
- A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.
- Key Person Insurance
- Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.
- Krugerrand
- Gold coin minted by the Republic of South Africa.
- L back to top
- Loan Note
- A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.
- Loan Schedule
- A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.
- M
- Matching Funds
- A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.
- Money Market Fund
- A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.
- Mutual Funds
- Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.
- N
- Nasdaq Composite Index
- A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.
- New York Stock Exchange (NYSE)
- The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.
- O back to top
- Obligation Bond
- Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.
- Offering
- The making available of a new securities to the public through an underwriting. Also called public offering.
- Online Trading
- The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.
- Option
- The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.
- P
- PCRA
- (Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.
- Pending Transfer
- A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.
- Q
- Qualified Retirement Plan
- A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.
- Quarterly Report
- Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.
- R back to top
- Rate of Return
- The rate of return on an investment, expressed as a percent of the total amount invested.
- Rebalance (Investment Mix)
- The process of changing your current investment mix to a new Investment Mix.
- Rollover
- A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.
- S
- Savings Bond
- A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.
- Sector Fund
- A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.
- Strategic Allocation Fund (Multi asset class)
- A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.
- T
- Tender Offer
- A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.
- Time Horizon
- The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.
- Transfer
- A function that moves account balances between various funds.
- Transreferance Number
- A number assigned to each transaction, consisting of a current date and a sequential number within that date.
- U back to top
- Undervalued
- Something whose price is below its perceived value.
- Unit Value (NAV)
- The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.
- Unrealized Loss
- Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.
- U.S. Treasury Securities
- Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.
- V
- Value Fund
- A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).
- Vesting
- Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.
- W
- Weak Dollar
- Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.
- Windfall
- Money received which was not expected and not a direct result of something the recipient did.
- World Bank
- An organization whose focus is on foreign exchange reserves and the balance of trade.
- X back to top
- X or XD
- A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.
- XR
- A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.
- XW
- A symbol used by newspapers to signify that a stock is ex-warrants.
- Y
- Yield to Maturity
- Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.
- Yankee Bond Market
- Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.
- Z
- Zero-Coupon Bond
- A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.
- Zero-Coupon Convertible
- A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.
- # back to top
- 401(k) Plan
- A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.
- 403(b) Plan
- A defined contribution plan established by certain tax exempt organizations and public schools for their employees.
- 457 Plan
- A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<li class="panel"> <a href="#ans_1" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_1" id="q_1">Are there any special browser requirements to use My TRSRetire?</a>
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<p>My TRSRetire has been optimized to work best in Microsoft Internet Explorer (version 8.0 or higher), as well as Google Chrome, Mozilla Firefox, and Apple Safari. To check the current version of Internet Explorer, select HELP in your browser menu, then choose ABOUT INTERNET EXPLORER. You can download a free copy of the latest version of Microsoft Internet Explorer, Firefox, Safari or Chrome by clicking on the appropriate button below.</p>
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<p>Insert *70 in front of the telephone number in the phone number dialogue box on your computer prior to dialing OR press *70 on your telephone and hang up the phone. Call waiting will be disabled for the next outgoing call made on the phone line. Call waiting will not be disabled for any further calls unless *70, is dialed again.</p>
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<li class="panel"> <a href="#ans_3" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_3" id="q_3">Why do I have trouble signing in from work?</a>
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<p>You may be behind a corporate firewall at work. The firewall serves to enforce security policy on your network. Often, administrators restrict encrypted information, like your Transamerica account information, from entering networks. Verify your restrictions by contacting your network administrator.</p>
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<h3>Signing In</h3>
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<li class="panel"> <a href="#ans_4" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_4">I haven't established a Username/Password. How do I create one?</a>
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<p>If you are a first time user select the GET STARTED button on the Sign In screen, it will take you to the Welcome Screen to create your Username and Password.</p>
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<li class="panel"> <a href="#ans_5" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_5">Why does My TRSRetire offer the option to use Username or Social Security Number for Sign In?</a>
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<p>Your personal information is very important to us. My TRSRetire offers the option of using either Username or Social Security Number for additional security.</p>
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<li class="panel"> <a href="#ans_9" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_9">How can I change my Username?</a>
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<p>Select the change Username option in the Manage Profile section. You will be able to create a new Username or use your Social Security Number as your Username.</p>
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<li class="panel"> <a href="#ans_10" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_10">What if I forgot my Username?</a>
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<p>Use your Social Security Number if you do not remember your Username.</p>
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<li class="panel"> <a href="#ans_6" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_6">What if I forgot my password?</a>
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<p>Select the 'Lost your ID or password?' link on the Sign In screen. You will be required to enter your social security or username to have your password hint emailed to you. If you still do not remember your password, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative.</p>
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<li class="panel"> <a href="#ans_7" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_7">How do I change my password?</a>
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<p>Select the 'Change Password' option in the Manage Profile section.</p>
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<li class="panel"> <a href="#ans_8" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_8">Why doesn't my password work when I try to Sign In?</a>
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<p>Make sure that you are entering your correct Username or Social Security Number and Password. If you are still unable to Sign In, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative or send us an email using Contact Us in Help.</p>
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<p>After three unsuccessful Sign In attempts, your account will be disabled.</p>
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<h3>Service</h3>
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<li class="panel"> <a href="#ans_11" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_11">What services does My TRSRetire provide?</a>
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<p>My TRSRetire provides you with detailed fund information, transaction history, historical account balances and unit values. You also have access to online investment fund transfers and investment fund allocation changes as long as your plan doesn't have any special fund restrictions.</p>
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<li class="panel"> <a href="#ans_12" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_12">When is My TRSRetire available?</a>
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<p>My TRSRetire is accessible 24 hours a day, 7 days a week.</p>
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<li class="panel"> <a href="#ans_13" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_13">Can I print the information from My TRSRetire that appears on my monitor?</a>
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<p>Yes, you can print any screen using the supported Internet browsers. In Internet Explorer or Netscape, select FILE in your browser menu and then select PRINT. Make sure that you have the right printer selected before sending the file to the printer. If there is a print button available on the page, use the print button.</p>
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<p>Some screens will require you to print landscape in order to view all of the information on the screen. To do this in Internet Explorer, simply select File and Page Setup, and select the Landscape option. If you are using Netscape, select File and Print and then the Properties button. Select the Landscape option and then OK.</p>
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<li class="panel"> <a href="#ans_14" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_14">Why does the page cut off when I print?</a>
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<p>Some pages may be too wide to print with your paper orientation set to PORTRAIT.</p>
<p>To change your paper orientation in Internet Explorer, select FILE on your browser menu and then select PAGE SETUP. In the lower left corner select LANDSCAPE and then select OK. When you are ready to print, select FILE on your browser menu then select PRINT. This setting should remain in effect until you change it.</p>
<p>To change your paper orientation in Netscape, wait until you are ready to print. When ready, select FILE on your browser menu and then select PRINT. After choosing your printer from the dropdown box, select PROPERTIES. Make sure that the PAPER tab is selected at the Select LANDSCAPE and then select OK. Select OK to print. This setting should remain in effect until you change it.</p>
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<li class="panel"> <a href="#ans_15" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_15">When I select the Fund Hyperlinks, why do I get a blank screen?</a>
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<p>If you double-click on the Fund Hyperlinks, the linked screen might be behind the current screen. All hyperlinks should be selected with a single mouse click.</p>
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<li class="panel"> <a href="#ans_16" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_16">When I request changes to my account how can I ensure my request has been processed?</a>
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<p>When you are requesting financial changes to your account, there will be a confirmation number displayed when the transaction is complete. Please make a note of the confirmation number.</p>
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<li class="panel"> <a href="#ans_17" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_17">Whom do I contact for questions?</a>
<div role="tabpanel" class="collapse" id="ans_17">
<p>If you have any questions about this Web site please contact a Transamerica Retirement Solutions Representative at <a href="tel:+18007555801">800-755-5801</a> or send us an e-mail by using Contact Us in Help.</p>
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<li class="panel"> <a href="#ans_18" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_18">How soon can I expect a response from using Contact Us?</a>
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<p>Our standard response for most inquiries is within 24 hours.</p>
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<h3>Security</h3>
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<li class="panel"> <a href="#ans_19" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_19">How safe are Internet transmissions between my computer and My TRSRetire?</a>
<div role="tabpanel" class="collapse" id="ans_19">
<p>Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).</p>
<p>As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.</p>
</div>
</li>
<li class="panel"> <a href="#ans_20" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_20">What is 128-bit encryption or U.S. Security?</a>
<div role="tabpanel" class="collapse" id="ans_20">
<p>To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.</p>
</div>
</li>
<li class="panel"> <a href="#ans_21" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_21">What are digital certificates?</a>
<div role="tabpanel" class="collapse" id="ans_21">
<p>Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.</p>
</div>
</li>
<li class="panel"> <a href="#ans_22" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_22">What is Secure Socket Layer (SSL)?</a>
<div role="tabpanel" class="collapse" id="ans_22">
<p>Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.</p>
</div>
</li>
<li class="panel"> <a href="#ans_23" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_23">What is https://?</a>
<div role="tabpanel" class="collapse" id="ans_23">
<p>While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.</p>
</div>
</li>
<li class="panel"> <a href="#ans_24" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_24">Please explain the safety of My TRSRetire on the Internet in greater detail.</a>
<div role="tabpanel" class="collapse" id="ans_24">
<p>Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.</p>
<p>All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.</p>
<p>Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.</p>
<p>My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.</p>
<p>Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.</p>
</div>
</li>
<li class="panel"> <a href="#ans_25" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_25">Why is it important to use the Sign Out button to exit your account?</a>
<div role="tabpanel" class="collapse" id="ans_25">
<p>Using the Sign Out button to exit will ensure the confidentially of your account.</p>
</div>
</li>
</ol>
</li>
</ol>
<div class="modal-footer"> <a type="button" class="btn btn-secondary left" data-dismiss="modal" href="#">Back</a> <a type="button" class="btn btn-primary left" href="javascript:window.print();"><span class="glyphicon glyphicon-print" role="presentation"></span> Print</a> </div>
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<p> This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.</p>
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<li><a href="#gloss_a" role="navigation" class="navbar-btn js-gloss-scroll">A</a></li>
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<dl>
<dt id="gloss_a">A</dt>
<dt><dfn>(Future) Allocations</dfn></dt>
<dd>To distribute a percentage of money to one or more funds.</dd>
<dt id="gloss_b">B</dt>
<dt><dfn>Back End Load</dfn></dt>
<dd>A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.</dd>
<dt><dfn>Bear Market</dfn></dt>
<dd>A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.</dd>
<dt><dfn>Benefits Administration</dfn></dt>
<dd>The implementation and coordination of an employee benefits plan.</dd>
<dt id="gloss_c">C <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Capital Gain</dfn></dt>
<dd>The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.</dd>
<dt><dfn>Closing Price</dfn></dt>
<dd>The price of the last transaction for a given security at the end of a given trading session.</dd>
<dt><dfn>Confirmation</dfn></dt>
<dd>A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).</dd>
<dt><dfn>Contribution Types</dfn></dt>
<dd>The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.</dd>
<dt><dfn>Contributions (Saving Rate)</dfn></dt>
<dd>A portion of an employee / participant's current salary that is invested in a retirement plan.</dd>
<dt id="gloss_d">D</dt>
<dt><dfn>Defined Contribution Plan</dfn></dt>
<dd>A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.</dd>
<dt><dfn>Defined Benefit Plan</dfn></dt>
<dd>A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.</dd>
<dt><dfn>Diversification</dfn></dt>
<dd>Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.</dd>
<dt id="gloss_e">E</dt>
<dt><dfn>Employee Stock Ownership Plan</dfn></dt>
<dd>A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.</dd>
<dt id="gloss_f">F <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Fiduciary</dfn></dt>
<dd>An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.</dd>
<dt><dfn>Front-End Load</dfn></dt>
<dd>A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.</dd>
<dt id="gloss_g">G</dt>
<dt><dfn>General Obligation Bond</dfn></dt>
<dd>A municipal bond secured by the taxing and borrowing power of the municipality issuing it.</dd>
<dt><dfn><abbr>GIC</abbr></dfn></dt>
<dd>Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.</dd>
<dt id="gloss_h">H</dt>
<dt><dfn>High-Grade Bond</dfn></dt>
<dd>A bond with a rating of AAA or AA, the two highest ratings.</dd>
<dt><dfn>Hedge Fund</dfn></dt>
<dd>A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).</dd>
<dt id="gloss_i">I <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>IRA</abbr></dfn></dt>
<dd>Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.</dd>
<dt><dfn>Investment Mix</dfn></dt>
<dd>The combination of all the funds in your investment portfolio.</dd>
<dt id="gloss_j">J</dt>
<dt><dfn>January Effect</dfn></dt>
<dd>Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.</dd>
<dt><dfn>Joint Life Annuity</dfn></dt>
<dd>An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.</dd>
<dt><dfn>Junk Bond</dfn></dt>
<dd>A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.</dd>
<dt id="gloss_k">K</dt>
<dt><dfn>Kappa</dfn></dt>
<dd>A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.</dd>
<dt><dfn>Keogh Plan</dfn></dt>
<dd>A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.</dd>
<dt><dfn>Key Person Insurance</dfn></dt>
<dd>Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.</dd>
<dt><dfn>Krugerrand</dfn></dt>
<dd>Gold coin minted by the Republic of South Africa.</dd>
<dt id="gloss_l">L <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Loan Note</dfn></dt>
<dd>A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.</dd>
<dt><dfn>Loan Schedule</dfn></dt>
<dd>A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.</dd>
<dt id="gloss_m">M</dt>
<dt><dfn>Matching Funds</dfn></dt>
<dd>A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.</dd>
<dt><dfn>Money Market Fund</dfn></dt>
<dd>A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.</dd>
<dt><dfn>Mutual Funds</dfn></dt>
<dd>Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.</dd>
<dt id="gloss_n">N</dt>
<dt><dfn>Nasdaq Composite Index</dfn></dt>
<dd>A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.</dd>
<dt><dfn>New York Stock Exchange (NYSE)</dfn></dt>
<dd>The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.</dd>
<dt id="gloss_o">O <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Obligation Bond</dfn></dt>
<dd>Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.</dd>
<dt><dfn>Offering</dfn></dt>
<dd>The making available of a new securities to the public through an underwriting. Also called public offering.</dd>
<dt><dfn>Online Trading</dfn></dt>
<dd>The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.</dd>
<dt><dfn>Option</dfn></dt>
<dd>The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.</dd>
<dt id="gloss_p">P</dt>
<dt><dfn><abbr>PCRA</abbr></dfn></dt>
<dd>(Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.</dd>
<dt><dfn>Pending Transfer</dfn></dt>
<dd>A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.</dd>
<dt id="gloss_q">Q</dt>
<dt><dfn>Qualified Retirement Plan</dfn></dt>
<dd>A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.</dd>
<dt><dfn>Quarterly Report</dfn></dt>
<dd>Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.</dd>
<dt id="gloss_r">R <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Rate of Return</dfn></dt>
<dd>The rate of return on an investment, expressed as a percent of the total amount invested.</dd>
<dt><dfn>Rebalance (Investment Mix)</dfn></dt>
<dd>The process of changing your current investment mix to a new Investment Mix.</dd>
<dt><dfn>Rollover</dfn></dt>
<dd>A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.</dd>
<dt id="gloss_s">S</dt>
<dt><dfn>Savings Bond</dfn></dt>
<dd>A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.</dd>
<dt><dfn>Sector Fund</dfn></dt>
<dd>A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.</dd>
<dt><dfn>Strategic Allocation Fund (Multi asset class)</dfn></dt>
<dd>A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.</dd>
<dt id="gloss_t">T</dt>
<dt><dfn>Tender Offer</dfn></dt>
<dd>A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.</dd>
<dt><dfn>Time Horizon</dfn></dt>
<dd>The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.</dd>
<dt><dfn>Transfer</dfn></dt>
<dd>A function that moves account balances between various funds.</dd>
<dt><dfn>Transreferance Number</dfn></dt>
<dd>A number assigned to each transaction, consisting of a current date and a sequential number within that date.</dd>
<dt id="gloss_u">U <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Undervalued</dfn></dt>
<dd>Something whose price is below its perceived value.</dd>
<dt><dfn>Unit Value (NAV)</dfn></dt>
<dd>The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.</dd>
<dt><dfn>Unrealized Loss</dfn></dt>
<dd>Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.</dd>
<dt><dfn>U.S. Treasury Securities</dfn></dt>
<dd>Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.</dd>
<dt id="gloss_v">V</dt>
<dt><dfn>Value Fund</dfn></dt>
<dd>A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).</dd>
<dt><dfn>Vesting</dfn></dt>
<dd>Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.</dd>
<dt id="gloss_w">W</dt>
<dt><dfn>Weak Dollar</dfn></dt>
<dd>Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.</dd>
<dt><dfn>Windfall</dfn></dt>
<dd>Money received which was not expected and not a direct result of something the recipient did.</dd>
<dt><dfn>World Bank</dfn></dt>
<dd>An organization whose focus is on foreign exchange reserves and the balance of trade.</dd>
<dt id="gloss_x">X <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>X</abbr> or <abbr>XD</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.</dd>
<dt><dfn><abbr>XR</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.</dd>
<dt><dfn><abbr>XW</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is ex-warrants.</dd>
<dt id="gloss_y">Y</dt>
<dt><dfn>Yield to Maturity</dfn></dt>
<dd>Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.</dd>
<dt><dfn>Yankee Bond Market</dfn></dt>
<dd>Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.</dd>
<dt id="gloss_z">Z </dt>
<dt><dfn>Zero-Coupon Bond</dfn></dt>
<dd>A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.</dd>
<dt><dfn>Zero-Coupon Convertible</dfn></dt>
<dd>A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.</dd>
<dt id="gloss_num"># <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>401(k) Plan</dfn></dt>
<dd>A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.</dd>
<dt><dfn>403(b) Plan</dfn></dt>
<dd>A defined contribution plan established by certain tax exempt organizations and public schools for their employees.</dd>
<dt><dfn>457 Plan</dfn></dt>
<dd>A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.</dd>
</dl>
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Access
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This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.
To see a word and its's definition, select a letter from the menu to go to that section of the alphabet.
- A
- (Future) Allocations
- To distribute a percentage of money to one or more funds.
- B
- Back End Load
- A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.
- Bear Market
- A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.
- Benefits Administration
- The implementation and coordination of an employee benefits plan.
- C back to top
- Capital Gain
- The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.
- Closing Price
- The price of the last transaction for a given security at the end of a given trading session.
- Confirmation
- A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).
- Contribution Types
- The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.
- Contributions (Saving Rate)
- A portion of an employee / participant's current salary that is invested in a retirement plan.
- D
- Defined Contribution Plan
- A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.
- Defined Benefit Plan
- A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.
- Diversification
- Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.
- E
- Employee Stock Ownership Plan
- A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.
- F back to top
- Fiduciary
- An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.
- Front-End Load
- A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.
- G
- General Obligation Bond
- A municipal bond secured by the taxing and borrowing power of the municipality issuing it.
- GIC
- Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.
- H
- High-Grade Bond
- A bond with a rating of AAA or AA, the two highest ratings.
- Hedge Fund
- A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).
- I back to top
- IRA
- Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.
- Investment Mix
- The combination of all the funds in your investment portfolio.
- J
- January Effect
- Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.
- Joint Life Annuity
- An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.
- Junk Bond
- A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.
- K
- Kappa
- A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.
- Keogh Plan
- A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.
- Key Person Insurance
- Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.
- Krugerrand
- Gold coin minted by the Republic of South Africa.
- L back to top
- Loan Note
- A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.
- Loan Schedule
- A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.
- M
- Matching Funds
- A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.
- Money Market Fund
- A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.
- Mutual Funds
- Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.
- N
- Nasdaq Composite Index
- A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.
- New York Stock Exchange (NYSE)
- The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.
- O back to top
- Obligation Bond
- Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.
- Offering
- The making available of a new securities to the public through an underwriting. Also called public offering.
- Online Trading
- The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.
- Option
- The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.
- P
- PCRA
- (Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.
- Pending Transfer
- A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.
- Q
- Qualified Retirement Plan
- A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.
- Quarterly Report
- Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.
- R back to top
- Rate of Return
- The rate of return on an investment, expressed as a percent of the total amount invested.
- Rebalance (Investment Mix)
- The process of changing your current investment mix to a new Investment Mix.
- Rollover
- A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.
- S
- Savings Bond
- A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.
- Sector Fund
- A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.
- Strategic Allocation Fund (Multi asset class)
- A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.
- T
- Tender Offer
- A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.
- Time Horizon
- The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.
- Transfer
- A function that moves account balances between various funds.
- Transreferance Number
- A number assigned to each transaction, consisting of a current date and a sequential number within that date.
- U back to top
- Undervalued
- Something whose price is below its perceived value.
- Unit Value (NAV)
- The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.
- Unrealized Loss
- Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.
- U.S. Treasury Securities
- Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.
- V
- Value Fund
- A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).
- Vesting
- Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.
- W
- Weak Dollar
- Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.
- Windfall
- Money received which was not expected and not a direct result of something the recipient did.
- World Bank
- An organization whose focus is on foreign exchange reserves and the balance of trade.
- X back to top
- X or XD
- A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.
- XR
- A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.
- XW
- A symbol used by newspapers to signify that a stock is ex-warrants.
- Y
- Yield to Maturity
- Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.
- Yankee Bond Market
- Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.
- Z
- Zero-Coupon Bond
- A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.
- Zero-Coupon Convertible
- A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.
- # back to top
- 401(k) Plan
- A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.
- 403(b) Plan
- A defined contribution plan established by certain tax exempt organizations and public schools for their employees.
- 457 Plan
- A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.
templates-main-layout-sso
HTML
<div class="page-container">
<div class="container-fluid">
<!-- top navbar -->
<header>
<div class="row trs-header no-padding">
<!-- Page Header -->
<div class="print-page-header">
<img src="../../images/trs-logo-166px.png" class="ta-logo-print" alt="TRS Logo Desktop">
<div class="print-header-info">
<div class="print-info-line1">1-800-Pyramid (797-2643)</div>
<div class="print-info-line2">INSERT LAST DATA UPDATE AT: HERE.</div>
<div class="print-info-line3">Date Printed: 04/10/16</div>
</div>
</div>
<div class="subnavbar" role="navigation">
<div class="row"> <a class="sr-only" href="#main_content">Skip to main content</a><!-- keep this for ada compliance -->
<div class="col-xs-2 col-sm-4 hidden-md hidden-lg">
<div class="btn--menu">
<button type="button" class="btn--menu__btn">
<span class="sr-only">Tap to expand or collapse navigation</span>
<span class="icon-bar" role="presentation"></span> <span class="icon-bar" role="presentation"></span> <span class="icon-bar" role="presentation"></span> </button>
<div class="btn--menu__text">Menu</div>
</div>
</div>
<div class="col-xs-8 col-md-2 col-sm-4 text-center">
<a class="logo-link text-center" href="">
<img src="../../images/trs-mobile-logo.png" class="logo visible-xs" alt="TRS Logo Mobile" /> <img src="../../images/trs-logo-166px.png" class="logo hidden-xs" alt="TRS Logo Desktop" /> </a>
</div>
<div class="hidden-xs hidden-sm col-md-8">
<div class="pull-right">
<a class="link link--style1__larrow" href="http://www.transamerica.com"><span>My Transamerica Products</span></a>
<ul>
<li class="dropdown">
<a id="hdr_dd_comm" href="#" class="dropdown-toggle" data-target="#" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false" aria-label="Communications Menu">
<span class="glyphicon glyphicon-envelope" role="presentation"></span> Messages <span class="glyphicon glyphicon-menu-down" role="presentation"></span></a>
<ul class="dropdown-menu" role="menu" aria-labelledby="hdr_dd_comm">
<li><a href="#" title="Action" role="menuitem">Action</a></li>
<li><a href="#" title="Another Action" role="menuitem">Another Action</a></li>
<li><a href="#" title="Something else here" role="menuitem">Something else here</a></li>
<li><a href="#" title="Separated link" role="menuitem">Separated link</a></li>
<li><a href="#" title="One more separated link" role="menuitem">One more separated link</a></li>
</ul>
</li>
</ul> <ul>
<li class="dropdown">
<a id="hdr_dd_usr" href="#" class="dropdown-toggle" data-target="#" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false" aria-label="User Options Menu">
<span class="glyphicon glyphicon-user" role="presentation"></span> My Profile <span class="glyphicon glyphicon-menu-down" role="presentation"></span></a>
<ul class="dropdown-menu" role="menu" aria-labelledby="hdr_dd_usr">
<li><a href="#" title="Action" role="menuitem">Action</a></li>
<li><a href="#" title="Another Action" role="menuitem">Another Action</a></li>
<li><a href="#" title="Something else here" role="menuitem">Something else here</a></li>
<li><a href="#" title="Separated link" role="menuitem">Separated link</a></li>
<li><a href="#" title="One more separated link" role="menuitem">One more separated link</a></li>
</ul>
</li>
</ul> </div>
</div>
<div class="col-xs-2 col-sm-4 col-md-2">
<button type="button" class="btn btn-logout "><span class="trs-icons-lock hidden-xs" role="presentation"></span>LOG OUT</button>
</div>
</div>
</div>
<!-- /Page Header -->
</div>
<div class="row hidden-xs">
<ul class="breadcrumbs clearfix" id="crumb_box" aria-label="Summary of account">
<li class="home" id="">404</li>
<li class="separator" id=""><div></div></li>
<li class="" id="">(placeholder)</li>
</ul> </div>
</header>
<!-- /top navbar -->
<!-- mobile only phone number bar -->
<div class="mobile-phone row"><span class="icon trs-icons-phone" aria-hidden="true"></span><a href="tel://1-800-797-2643">1-800-PYRAMID</a></div> <!-- /mobile only phone number bar -->
<div class="row">
<!-- sidebar -->
<div class="col-xs-12 col-sm-3 left_sidebar sidebar-offcanvas [ hidden-xs hidden-sm ]" id="sidebar" role="navigation">
<nav id="myNavmenu" class="trs-nav navmenu navmenu-default" role="navigation">
<!-- Main Nav -->
<nav class="nav--primary" data-ui-component="Main Nav">
<div class="row">
<div id="desktop_primary_nav" role="tablist" aria-multiselectable="true">
<div class="panel menuwrapper">
<ul class="menu">
<!-- Home -->
<li>
<a href="#nav_home" class="list-group-item nav--primary__head collapsed selected" data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-home" aria-hidden="true"></span>
Home
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_home">
<li>
<a href="#url" class="list-group-item selected">
Overview
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Balance
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
e-Documents
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Account Summary
</a>
</li>
</ul>
</li>
<!-- /Home -->
<!-- Review -->
<li>
<a href="#nav_review" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-eye" aria-hidden="true"></span>
Review
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_review">
<li>
<a href="#url" class="list-group-item selected">
Fund and Fee Information
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Activity Summary
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Activity Details
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Disbursement Details
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Distribution Details
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Unit Values
</a>
</li>
</ul>
</li>
<!-- /Review -->
<!-- Manage -->
<li>
<a href="#nav_manage" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-settings" aria-hidden="true"></span>
Manage
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_manage">
<li>
<a href="#url" class="list-group-item selected">
Current Investments
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Future Allocations
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Transfers
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
PortfolioXpress®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Rollovers
</a>
</li>
</ul>
</li>
<!-- /Manage -->
<!-- Are You OnTrack®? -->
<li>
<a href="#nav_ontrack" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-on-track" aria-hidden="true"></span>
Are You OnTrack®?
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_ontrack">
<li>
<a href="#url" class="list-group-item selected">
Your Retirement Outlook®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Brighten Your Outlook®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Profile and Goals
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Retirement Accounts
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Retirement Incomes
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Budget and Withdrawals
</a>
</li>
</ul>
</li>
<!-- /Are You OnTrack®? -->
<!-- Resource Center -->
<li>
<a href="#nav_resources" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon glyphicon glyphicon-dashboard" aria-hidden="true"></span>
Resource Center
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_resources">
<li>
<a href="#url" class="list-group-item selected">
Calculators
</a>
</li>
</ul>
</li>
<!-- /Resource Center -->
<!-- Contact Us -->
<!--li>
<a href="#nav_contact" class="list-group-item nav--primary__head nav--primary__contact" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-phone-ring" aria-hidden="true"></span>
Contact Us
<span class="trs-utility--light">1-800-755-5801</span>
</a>
</li-->
<!-- /Contact Us -->
</ul>
</div>
</div>
</div>
</nav>
<!-- /Main Nav -->
</nav>
</div>
<!-- /sidebar -->
<!-- main area & col-xs-12 -->
<div class="non-responsive-swipe">
<div class="col-xs-12 col-sm-12 col-md-9 left-content-border right_panel">
<main class="row" id="main_content">
<!-- Begin "body" -->
<div class="col-xs-12 ">
<!-- YOUR CODE STARTS HERE. REMOVE THIS COMMENT AFTERWARDS. -->
<div class="text-center margin-top-lg">
<h1>Sorry for the inconvenience,<br>
we are experiencing technical difficulties.</h1>
<p class="padding-top"> Use the link below or please try later again.</p>
<div class="text center"> <a id="ta_products" class="link--style1__rarrow" title="My Transamerica Products" href="#"><span>My Transamerica Products</span></a>
</div>
</div>
<!-- /YOUR CODE ENDS HERE. REMOVE THIS COMMENT AFTERWARDS. -->
</div>
<!-- End "body" -->
</main>
<div class="container-fluid bg-gray-light-5 sso-footer row">
<div class="row">
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<div class="container-fluid trs-footer--col-border text-center js-eq-ht-div">
<h3 class="trs-footer__subhead ta-footer__socialmedia--heading"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:headline[1]"} -->Follow Us</h3>
<a class="trs-icon-circle" id="100_60576_60577_0" target="_blank" href="https://www.linkedIn.com/company/transamerica" title="LinkedIn"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[1]"} --><span class="trs-icons-li" role="presentation"></span><span class="sr-only">LinkedIn</span></a> <a class="trs-icon-circle" id="100_60576_60577_1" target="_blank" href="https://www.facebook.com/Transamerica" title="Facebook"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[2]"} --><span class="trs-icons-fb" role="presentation"></span><span class="sr-only">Facebook</span></a> <a class="trs-icon-circle" id="100_60576_60577_2" target="_blank" href="https://twitter.com/transamerica" title="Twitter"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[3]"} --><span class="trs-icons-tw" role="presentation"></span><span class="sr-only">Twitter</span></a> <a class="trs-icon-circle" id="100_60576_60577_3" target="_blank" href="https://plus.google.com/+transamerica/" title="Google+"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[4]"} --><span class="trs-icons-g" role="presentation"></span><span class="sr-only">Google+</span></a> <a class="trs-icon-circle" id="100_60576_60577_4" target="_blank" href="http://www.pinterest.com/transamerica/" title="Pinterest"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[5]"} --><span class="trs-icons-pin" role="presentation"></span><span class="sr-only">Pinterest</span></a> <a class="trs-icon-circle" id="100_60576_60577_5" target="_blank" href="http://www.youtube.com/transamerica" title="YouTube"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[6]"} --><span class="trs-icons-youtube" role="presentation"></span><span class="sr-only">YouTube</span></a> <a class="trs-icon-circle" id="100_60576_60577_6" target="_blank" href="http://instagram.com/transamerica" title="Instagram"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[7]"} --><span class="trs-icons-insta" role="presentation"></span><span class="sr-only">Instagram</span></a> <a class="trs-icon-circle" id="100_60576_60577_7" target="_blank" href="https://www.tumblr.com/tagged/transamerica" title="Tumblr"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[8]"} --><span class="trs-icons-tumblr" role="presentation"></span><span class="sr-only">Tumblr</span></a> </div>
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</div>
<footer id="global_footer" class="container-fluid trs-footer page-footer ta-footer">
<div class="row"><!-- Start Component Presentation: {"ComponentID" : "tcm:100-60578", "ComponentModified" : "2016-04-25T10:41:52", "ComponentTemplateID" : "tcm:100-60583-32", "ComponentTemplateModified" : "2015-12-16T09:54:35", "IsRepositoryPublished" : false} -->
<div class="ta-footer-contactus-container text-center"> <a type="button" class="btn btn-secondary" id="100_60578_60583_0" title="Call 1-800-Pyramid (797-2643)" href="tel:8007972643"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[1]"} --><span class='glyphicon glyphicon-earphone' role='presentation'></span> 1-800-Pyramid<span class='hidden-xs'> (797-2643)</span></a> </div>
</div>
<div class="row ta-footer-link-listing">
<div class="col-xs-6 col-sm-4 col-md-2 col-md-offset-1 col-lg-2 col-lg-offset-1 no-wrap"><!-- Start Component Presentation: {"ComponentID" : "tcm:100-60584", "ComponentModified" : "2016-04-25T10:41:11", "ComponentTemplateID" : "tcm:100-60589-32", "ComponentTemplateModified" : "2015-12-16T09:56:57", "IsRepositoryPublished" : false} -->
<h3 class="trs-footer__subhead"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:headline[1]"} -->Products</h3>
<ul class="trs-footer__nav-list">
<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[1]"} -->
<a class="" id="100_60584_60589_0" href="/individual/products/" title="All Products"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[1]/custom:linkText[1]"} -->All Products</a> </li>
<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[2]"} -->
<a class="" id="100_60584_60589_1" href="/individual/products/retirement-solutions/" title="401(k)/Retirement"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[2]/custom:linkText[1]"} -->401(k)/Retirement</a> </li>
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<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[4]"} -->
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<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[7]"} -->
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<h3 class="trs-footer__subhead"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:headline[1]"} -->Corporate</h3>
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<li class="panel"> <a href="#ans_1" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_1" id="q_1">Are there any special browser requirements to use My TRSRetire?</a>
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<p>My TRSRetire has been optimized to work best in Microsoft Internet Explorer (version 8.0 or higher), as well as Google Chrome, Mozilla Firefox, and Apple Safari. To check the current version of Internet Explorer, select HELP in your browser menu, then choose ABOUT INTERNET EXPLORER. You can download a free copy of the latest version of Microsoft Internet Explorer, Firefox, Safari or Chrome by clicking on the appropriate button below.</p>
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<p>Additionally, this website works best with a minimum version of Adobe Flash Player 9 and a browser with JavaScript enabled.</p>
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<li class="panel"> <a href="#ans_2" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_2" id="q_2">If I am going to dial into the Internet, how do I disable call waiting?</a>
<div role="tab" class="collapse" id="ans_2" aria-labelledby="q_2">
<p>Insert *70 in front of the telephone number in the phone number dialogue box on your computer prior to dialing OR press *70 on your telephone and hang up the phone. Call waiting will be disabled for the next outgoing call made on the phone line. Call waiting will not be disabled for any further calls unless *70, is dialed again.</p>
</div>
</li>
<li class="panel"> <a href="#ans_3" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_3" id="q_3">Why do I have trouble signing in from work?</a>
<div role="tab" class="collapse" id="ans_3" aria-labelledby="q_3">
<p>You may be behind a corporate firewall at work. The firewall serves to enforce security policy on your network. Often, administrators restrict encrypted information, like your Transamerica account information, from entering networks. Verify your restrictions by contacting your network administrator.</p>
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<li class="js-faq-group">
<h3>Signing In</h3>
<ol class="number-list" id="faq_list_2">
<li class="panel"> <a href="#ans_4" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_4">I haven't established a Username/Password. How do I create one?</a>
<div role="tabpanel" class="collapse" id="ans_4">
<p>If you are a first time user select the GET STARTED button on the Sign In screen, it will take you to the Welcome Screen to create your Username and Password.</p>
</div>
</li>
<li class="panel"> <a href="#ans_5" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_5">Why does My TRSRetire offer the option to use Username or Social Security Number for Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_5">
<p>Your personal information is very important to us. My TRSRetire offers the option of using either Username or Social Security Number for additional security.</p>
</div>
</li>
<li class="panel"> <a href="#ans_9" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_9">How can I change my Username?</a>
<div role="tabpanel" class="collapse" id="ans_9">
<p>Select the change Username option in the Manage Profile section. You will be able to create a new Username or use your Social Security Number as your Username.</p>
</div>
</li>
<li class="panel"> <a href="#ans_10" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_10">What if I forgot my Username?</a>
<div role="tabpanel" class="collapse" id="ans_10">
<p>Use your Social Security Number if you do not remember your Username.</p>
</div>
</li>
<li class="panel"> <a href="#ans_6" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_6">What if I forgot my password?</a>
<div role="tabpanel" class="collapse" id="ans_6">
<p>Select the 'Lost your ID or password?' link on the Sign In screen. You will be required to enter your social security or username to have your password hint emailed to you. If you still do not remember your password, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative.</p>
</div>
</li>
<li class="panel"> <a href="#ans_7" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_7">How do I change my password?</a>
<div role="tabpanel" class="collapse" id="ans_7">
<p>Select the 'Change Password' option in the Manage Profile section.</p>
</div>
</li>
<li class="panel"> <a href="#ans_8" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_8">Why doesn't my password work when I try to Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_8">
<p>Make sure that you are entering your correct Username or Social Security Number and Password. If you are still unable to Sign In, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative or send us an email using Contact Us in Help.</p>
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<div class="alert-icon"><span class="trs-icons-alert-caution alert-icon-size" role="presentation"></span></div>
<div class="alert-message"> <strong>Note:</strong>
<p>After three unsuccessful Sign In attempts, your account will be disabled.</p>
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<li class="js-faq-group">
<h3>Service</h3>
<ol class="number-list" id="faq_list_3">
<li class="panel"> <a href="#ans_11" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_11">What services does My TRSRetire provide?</a>
<div role="tabpanel" class="collapse" id="ans_11">
<p>My TRSRetire provides you with detailed fund information, transaction history, historical account balances and unit values. You also have access to online investment fund transfers and investment fund allocation changes as long as your plan doesn't have any special fund restrictions.</p>
</div>
</li>
<li class="panel"> <a href="#ans_12" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_12">When is My TRSRetire available?</a>
<div role="tabpanel" class="collapse" id="ans_12">
<p>My TRSRetire is accessible 24 hours a day, 7 days a week.</p>
</div>
</li>
<li class="panel"> <a href="#ans_13" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_13">Can I print the information from My TRSRetire that appears on my monitor?</a>
<div role="tabpanel" class="collapse" id="ans_13">
<p>Yes, you can print any screen using the supported Internet browsers. In Internet Explorer or Netscape, select FILE in your browser menu and then select PRINT. Make sure that you have the right printer selected before sending the file to the printer. If there is a print button available on the page, use the print button.</p>
<div class="alert alert-info">
<div class="alert-icon"><span class="trs-icons-alert-info alert-icon-size" role="presentation"></span></div>
<div class="alert-message"> <strong>Note:</strong>
<p>Some screens will require you to print landscape in order to view all of the information on the screen. To do this in Internet Explorer, simply select File and Page Setup, and select the Landscape option. If you are using Netscape, select File and Print and then the Properties button. Select the Landscape option and then OK.</p>
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</li>
<li class="panel"> <a href="#ans_14" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_14">Why does the page cut off when I print?</a>
<div role="tabpanel" class="collapse" id="ans_14">
<p>Some pages may be too wide to print with your paper orientation set to PORTRAIT.</p>
<p>To change your paper orientation in Internet Explorer, select FILE on your browser menu and then select PAGE SETUP. In the lower left corner select LANDSCAPE and then select OK. When you are ready to print, select FILE on your browser menu then select PRINT. This setting should remain in effect until you change it.</p>
<p>To change your paper orientation in Netscape, wait until you are ready to print. When ready, select FILE on your browser menu and then select PRINT. After choosing your printer from the dropdown box, select PROPERTIES. Make sure that the PAPER tab is selected at the Select LANDSCAPE and then select OK. Select OK to print. This setting should remain in effect until you change it.</p>
</div>
</li>
<li class="panel"> <a href="#ans_15" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_15">When I select the Fund Hyperlinks, why do I get a blank screen?</a>
<div role="tabpanel" class="collapse" id="ans_15">
<p>If you double-click on the Fund Hyperlinks, the linked screen might be behind the current screen. All hyperlinks should be selected with a single mouse click.</p>
</div>
</li>
<li class="panel"> <a href="#ans_16" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_16">When I request changes to my account how can I ensure my request has been processed?</a>
<div role="tabpanel" class="collapse" id="ans_16">
<p>When you are requesting financial changes to your account, there will be a confirmation number displayed when the transaction is complete. Please make a note of the confirmation number.</p>
</div>
</li>
<li class="panel"> <a href="#ans_17" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_17">Whom do I contact for questions?</a>
<div role="tabpanel" class="collapse" id="ans_17">
<p>If you have any questions about this Web site please contact a Transamerica Retirement Solutions Representative at <a href="tel:+18007555801">800-755-5801</a> or send us an e-mail by using Contact Us in Help.</p>
</div>
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<li class="panel"> <a href="#ans_18" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_18">How soon can I expect a response from using Contact Us?</a>
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<p>Our standard response for most inquiries is within 24 hours.</p>
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<h3>Security</h3>
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<li class="panel"> <a href="#ans_19" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_19">How safe are Internet transmissions between my computer and My TRSRetire?</a>
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<p>Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).</p>
<p>As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.</p>
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<li class="panel"> <a href="#ans_20" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_20">What is 128-bit encryption or U.S. Security?</a>
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<p>To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.</p>
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<li class="panel"> <a href="#ans_21" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_21">What are digital certificates?</a>
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<p>Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.</p>
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<li class="panel"> <a href="#ans_22" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_22">What is Secure Socket Layer (SSL)?</a>
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<p>Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.</p>
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<li class="panel"> <a href="#ans_23" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_23">What is https://?</a>
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<p>While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.</p>
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<li class="panel"> <a href="#ans_24" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_24">Please explain the safety of My TRSRetire on the Internet in greater detail.</a>
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<p>Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.</p>
<p>All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.</p>
<p>Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.</p>
<p>My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.</p>
<p>Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.</p>
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<li class="panel"> <a href="#ans_25" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_25">Why is it important to use the Sign Out button to exit your account?</a>
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<p>Using the Sign Out button to exit will ensure the confidentially of your account.</p>
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<p> This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.</p>
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<dl>
<dt id="gloss_a">A</dt>
<dt><dfn>(Future) Allocations</dfn></dt>
<dd>To distribute a percentage of money to one or more funds.</dd>
<dt id="gloss_b">B</dt>
<dt><dfn>Back End Load</dfn></dt>
<dd>A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.</dd>
<dt><dfn>Bear Market</dfn></dt>
<dd>A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.</dd>
<dt><dfn>Benefits Administration</dfn></dt>
<dd>The implementation and coordination of an employee benefits plan.</dd>
<dt id="gloss_c">C <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Capital Gain</dfn></dt>
<dd>The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.</dd>
<dt><dfn>Closing Price</dfn></dt>
<dd>The price of the last transaction for a given security at the end of a given trading session.</dd>
<dt><dfn>Confirmation</dfn></dt>
<dd>A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).</dd>
<dt><dfn>Contribution Types</dfn></dt>
<dd>The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.</dd>
<dt><dfn>Contributions (Saving Rate)</dfn></dt>
<dd>A portion of an employee / participant's current salary that is invested in a retirement plan.</dd>
<dt id="gloss_d">D</dt>
<dt><dfn>Defined Contribution Plan</dfn></dt>
<dd>A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.</dd>
<dt><dfn>Defined Benefit Plan</dfn></dt>
<dd>A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.</dd>
<dt><dfn>Diversification</dfn></dt>
<dd>Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.</dd>
<dt id="gloss_e">E</dt>
<dt><dfn>Employee Stock Ownership Plan</dfn></dt>
<dd>A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.</dd>
<dt id="gloss_f">F <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Fiduciary</dfn></dt>
<dd>An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.</dd>
<dt><dfn>Front-End Load</dfn></dt>
<dd>A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.</dd>
<dt id="gloss_g">G</dt>
<dt><dfn>General Obligation Bond</dfn></dt>
<dd>A municipal bond secured by the taxing and borrowing power of the municipality issuing it.</dd>
<dt><dfn><abbr>GIC</abbr></dfn></dt>
<dd>Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.</dd>
<dt id="gloss_h">H</dt>
<dt><dfn>High-Grade Bond</dfn></dt>
<dd>A bond with a rating of AAA or AA, the two highest ratings.</dd>
<dt><dfn>Hedge Fund</dfn></dt>
<dd>A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).</dd>
<dt id="gloss_i">I <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>IRA</abbr></dfn></dt>
<dd>Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.</dd>
<dt><dfn>Investment Mix</dfn></dt>
<dd>The combination of all the funds in your investment portfolio.</dd>
<dt id="gloss_j">J</dt>
<dt><dfn>January Effect</dfn></dt>
<dd>Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.</dd>
<dt><dfn>Joint Life Annuity</dfn></dt>
<dd>An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.</dd>
<dt><dfn>Junk Bond</dfn></dt>
<dd>A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.</dd>
<dt id="gloss_k">K</dt>
<dt><dfn>Kappa</dfn></dt>
<dd>A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.</dd>
<dt><dfn>Keogh Plan</dfn></dt>
<dd>A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.</dd>
<dt><dfn>Key Person Insurance</dfn></dt>
<dd>Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.</dd>
<dt><dfn>Krugerrand</dfn></dt>
<dd>Gold coin minted by the Republic of South Africa.</dd>
<dt id="gloss_l">L <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Loan Note</dfn></dt>
<dd>A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.</dd>
<dt><dfn>Loan Schedule</dfn></dt>
<dd>A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.</dd>
<dt id="gloss_m">M</dt>
<dt><dfn>Matching Funds</dfn></dt>
<dd>A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.</dd>
<dt><dfn>Money Market Fund</dfn></dt>
<dd>A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.</dd>
<dt><dfn>Mutual Funds</dfn></dt>
<dd>Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.</dd>
<dt id="gloss_n">N</dt>
<dt><dfn>Nasdaq Composite Index</dfn></dt>
<dd>A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.</dd>
<dt><dfn>New York Stock Exchange (NYSE)</dfn></dt>
<dd>The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.</dd>
<dt id="gloss_o">O <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Obligation Bond</dfn></dt>
<dd>Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.</dd>
<dt><dfn>Offering</dfn></dt>
<dd>The making available of a new securities to the public through an underwriting. Also called public offering.</dd>
<dt><dfn>Online Trading</dfn></dt>
<dd>The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.</dd>
<dt><dfn>Option</dfn></dt>
<dd>The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.</dd>
<dt id="gloss_p">P</dt>
<dt><dfn><abbr>PCRA</abbr></dfn></dt>
<dd>(Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.</dd>
<dt><dfn>Pending Transfer</dfn></dt>
<dd>A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.</dd>
<dt id="gloss_q">Q</dt>
<dt><dfn>Qualified Retirement Plan</dfn></dt>
<dd>A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.</dd>
<dt><dfn>Quarterly Report</dfn></dt>
<dd>Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.</dd>
<dt id="gloss_r">R <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Rate of Return</dfn></dt>
<dd>The rate of return on an investment, expressed as a percent of the total amount invested.</dd>
<dt><dfn>Rebalance (Investment Mix)</dfn></dt>
<dd>The process of changing your current investment mix to a new Investment Mix.</dd>
<dt><dfn>Rollover</dfn></dt>
<dd>A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.</dd>
<dt id="gloss_s">S</dt>
<dt><dfn>Savings Bond</dfn></dt>
<dd>A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.</dd>
<dt><dfn>Sector Fund</dfn></dt>
<dd>A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.</dd>
<dt><dfn>Strategic Allocation Fund (Multi asset class)</dfn></dt>
<dd>A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.</dd>
<dt id="gloss_t">T</dt>
<dt><dfn>Tender Offer</dfn></dt>
<dd>A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.</dd>
<dt><dfn>Time Horizon</dfn></dt>
<dd>The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.</dd>
<dt><dfn>Transfer</dfn></dt>
<dd>A function that moves account balances between various funds.</dd>
<dt><dfn>Transreferance Number</dfn></dt>
<dd>A number assigned to each transaction, consisting of a current date and a sequential number within that date.</dd>
<dt id="gloss_u">U <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Undervalued</dfn></dt>
<dd>Something whose price is below its perceived value.</dd>
<dt><dfn>Unit Value (NAV)</dfn></dt>
<dd>The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.</dd>
<dt><dfn>Unrealized Loss</dfn></dt>
<dd>Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.</dd>
<dt><dfn>U.S. Treasury Securities</dfn></dt>
<dd>Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.</dd>
<dt id="gloss_v">V</dt>
<dt><dfn>Value Fund</dfn></dt>
<dd>A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).</dd>
<dt><dfn>Vesting</dfn></dt>
<dd>Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.</dd>
<dt id="gloss_w">W</dt>
<dt><dfn>Weak Dollar</dfn></dt>
<dd>Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.</dd>
<dt><dfn>Windfall</dfn></dt>
<dd>Money received which was not expected and not a direct result of something the recipient did.</dd>
<dt><dfn>World Bank</dfn></dt>
<dd>An organization whose focus is on foreign exchange reserves and the balance of trade.</dd>
<dt id="gloss_x">X <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>X</abbr> or <abbr>XD</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.</dd>
<dt><dfn><abbr>XR</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.</dd>
<dt><dfn><abbr>XW</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is ex-warrants.</dd>
<dt id="gloss_y">Y</dt>
<dt><dfn>Yield to Maturity</dfn></dt>
<dd>Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.</dd>
<dt><dfn>Yankee Bond Market</dfn></dt>
<dd>Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.</dd>
<dt id="gloss_z">Z </dt>
<dt><dfn>Zero-Coupon Bond</dfn></dt>
<dd>A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.</dd>
<dt><dfn>Zero-Coupon Convertible</dfn></dt>
<dd>A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.</dd>
<dt id="gloss_num"># <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>401(k) Plan</dfn></dt>
<dd>A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.</dd>
<dt><dfn>403(b) Plan</dfn></dt>
<dd>A defined contribution plan established by certain tax exempt organizations and public schools for their employees.</dd>
<dt><dfn>457 Plan</dfn></dt>
<dd>A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.</dd>
</dl>
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Sso Account Exception
- Account Exception
- (placeholder)
Account Exception
Full Name:
Dr. Jason Ronald Smith Sr.
SSN/TIN:
123-12-1234
DOB:
10/14/1948
| Account # | Product | Roles | Status |
|---|---|---|---|
| 123456789 | Term Life | Owner | Active |
| 987654321 | Variable Annuity | Owner | Active |
| 234567899 | Defined Contribution | Participant | Active |
| Account # | Product | Roles | Status |
|---|---|---|---|
| 123PLA89 | Term Life | Owner | Active |
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This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.
To see a word and its's definition, select a letter from the menu to go to that section of the alphabet.
- A
- (Future) Allocations
- To distribute a percentage of money to one or more funds.
- B
- Back End Load
- A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.
- Bear Market
- A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.
- Benefits Administration
- The implementation and coordination of an employee benefits plan.
- C back to top
- Capital Gain
- The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.
- Closing Price
- The price of the last transaction for a given security at the end of a given trading session.
- Confirmation
- A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).
- Contribution Types
- The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.
- Contributions (Saving Rate)
- A portion of an employee / participant's current salary that is invested in a retirement plan.
- D
- Defined Contribution Plan
- A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.
- Defined Benefit Plan
- A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.
- Diversification
- Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.
- E
- Employee Stock Ownership Plan
- A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.
- F back to top
- Fiduciary
- An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.
- Front-End Load
- A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.
- G
- General Obligation Bond
- A municipal bond secured by the taxing and borrowing power of the municipality issuing it.
- GIC
- Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.
- H
- High-Grade Bond
- A bond with a rating of AAA or AA, the two highest ratings.
- Hedge Fund
- A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).
- I back to top
- IRA
- Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.
- Investment Mix
- The combination of all the funds in your investment portfolio.
- J
- January Effect
- Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.
- Joint Life Annuity
- An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.
- Junk Bond
- A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.
- K
- Kappa
- A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.
- Keogh Plan
- A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.
- Key Person Insurance
- Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.
- Krugerrand
- Gold coin minted by the Republic of South Africa.
- L back to top
- Loan Note
- A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.
- Loan Schedule
- A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.
- M
- Matching Funds
- A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.
- Money Market Fund
- A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.
- Mutual Funds
- Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.
- N
- Nasdaq Composite Index
- A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.
- New York Stock Exchange (NYSE)
- The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.
- O back to top
- Obligation Bond
- Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.
- Offering
- The making available of a new securities to the public through an underwriting. Also called public offering.
- Online Trading
- The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.
- Option
- The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.
- P
- PCRA
- (Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.
- Pending Transfer
- A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.
- Q
- Qualified Retirement Plan
- A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.
- Quarterly Report
- Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.
- R back to top
- Rate of Return
- The rate of return on an investment, expressed as a percent of the total amount invested.
- Rebalance (Investment Mix)
- The process of changing your current investment mix to a new Investment Mix.
- Rollover
- A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.
- S
- Savings Bond
- A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.
- Sector Fund
- A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.
- Strategic Allocation Fund (Multi asset class)
- A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.
- T
- Tender Offer
- A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.
- Time Horizon
- The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.
- Transfer
- A function that moves account balances between various funds.
- Transreferance Number
- A number assigned to each transaction, consisting of a current date and a sequential number within that date.
- U back to top
- Undervalued
- Something whose price is below its perceived value.
- Unit Value (NAV)
- The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.
- Unrealized Loss
- Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.
- U.S. Treasury Securities
- Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.
- V
- Value Fund
- A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).
- Vesting
- Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.
- W
- Weak Dollar
- Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.
- Windfall
- Money received which was not expected and not a direct result of something the recipient did.
- World Bank
- An organization whose focus is on foreign exchange reserves and the balance of trade.
- X back to top
- X or XD
- A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.
- XR
- A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.
- XW
- A symbol used by newspapers to signify that a stock is ex-warrants.
- Y
- Yield to Maturity
- Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.
- Yankee Bond Market
- Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.
- Z
- Zero-Coupon Bond
- A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.
- Zero-Coupon Convertible
- A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.
- # back to top
- 401(k) Plan
- A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.
- 403(b) Plan
- A defined contribution plan established by certain tax exempt organizations and public schools for their employees.
- 457 Plan
- A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.
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<h1>Account Exception</h1>
<div class="section-title padding-bottom-md__desktop">CUSTOMER AND ACCOUNT INFORMATION</div>
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<p><strong>Full Name:</strong><br>
Dr. Jason Ronald Smith Sr.</p>
<p><strong>SSN/TIN:</strong><br>
123-12-1234</p>
<p><strong>DOB:</strong><br>
10/14/1948</p>
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<td class="" data-title="">123456789</td>
<td class="" data-title="Product:">Term Life</td>
<td class="" data-title="Roles:">Owner</td>
<td class="" data-title="Status:">Active</td>
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<td class="" data-title="">987654321</td>
<td class="" data-title="Product:">Variable Annuity</td>
<td class="" data-title="Roles:">Owner</td>
<td class="" data-title="Status:">Active</td>
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<td class="" data-title="Status:">Active</td>
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<div class="section-title padding-bottom-md__desktop margin-top-lg">ACCOUNT EXCEPTION</div>
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<th class="" scope="col" id="" >Status</th>
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<tr class="tbl-td-noborder click-action" onclick="document.location='test.html'">
<td class="" data-title="">123PLA89</td>
<td class="" data-title="Product:">Term Life</td>
<td class="" data-title="Roles:">Owner</td>
<td class="" data-title="Status:">Active</td>
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<div class="section-title padding-bottom-md__desktop margin-top-lg">TRANSACTION DETAILS</div>
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<p>My TRSRetire has been optimized to work best in Microsoft Internet Explorer (version 8.0 or higher), as well as Google Chrome, Mozilla Firefox, and Apple Safari. To check the current version of Internet Explorer, select HELP in your browser menu, then choose ABOUT INTERNET EXPLORER. You can download a free copy of the latest version of Microsoft Internet Explorer, Firefox, Safari or Chrome by clicking on the appropriate button below.</p>
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<li class="panel"> <a href="#ans_2" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_2" id="q_2">If I am going to dial into the Internet, how do I disable call waiting?</a>
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<p>Insert *70 in front of the telephone number in the phone number dialogue box on your computer prior to dialing OR press *70 on your telephone and hang up the phone. Call waiting will be disabled for the next outgoing call made on the phone line. Call waiting will not be disabled for any further calls unless *70, is dialed again.</p>
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<li class="panel"> <a href="#ans_3" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_3" id="q_3">Why do I have trouble signing in from work?</a>
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<p>You may be behind a corporate firewall at work. The firewall serves to enforce security policy on your network. Often, administrators restrict encrypted information, like your Transamerica account information, from entering networks. Verify your restrictions by contacting your network administrator.</p>
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<h3>Signing In</h3>
<ol class="number-list" id="faq_list_2">
<li class="panel"> <a href="#ans_4" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_4">I haven't established a Username/Password. How do I create one?</a>
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<p>If you are a first time user select the GET STARTED button on the Sign In screen, it will take you to the Welcome Screen to create your Username and Password.</p>
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<li class="panel"> <a href="#ans_5" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_5">Why does My TRSRetire offer the option to use Username or Social Security Number for Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_5">
<p>Your personal information is very important to us. My TRSRetire offers the option of using either Username or Social Security Number for additional security.</p>
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</li>
<li class="panel"> <a href="#ans_9" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_9">How can I change my Username?</a>
<div role="tabpanel" class="collapse" id="ans_9">
<p>Select the change Username option in the Manage Profile section. You will be able to create a new Username or use your Social Security Number as your Username.</p>
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</li>
<li class="panel"> <a href="#ans_10" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_10">What if I forgot my Username?</a>
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<p>Use your Social Security Number if you do not remember your Username.</p>
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</li>
<li class="panel"> <a href="#ans_6" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_6">What if I forgot my password?</a>
<div role="tabpanel" class="collapse" id="ans_6">
<p>Select the 'Lost your ID or password?' link on the Sign In screen. You will be required to enter your social security or username to have your password hint emailed to you. If you still do not remember your password, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative.</p>
</div>
</li>
<li class="panel"> <a href="#ans_7" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_7">How do I change my password?</a>
<div role="tabpanel" class="collapse" id="ans_7">
<p>Select the 'Change Password' option in the Manage Profile section.</p>
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</li>
<li class="panel"> <a href="#ans_8" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_8">Why doesn't my password work when I try to Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_8">
<p>Make sure that you are entering your correct Username or Social Security Number and Password. If you are still unable to Sign In, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative or send us an email using Contact Us in Help.</p>
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<div class="alert-message"> <strong>Note:</strong>
<p>After three unsuccessful Sign In attempts, your account will be disabled.</p>
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<li class="js-faq-group">
<h3>Service</h3>
<ol class="number-list" id="faq_list_3">
<li class="panel"> <a href="#ans_11" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_11">What services does My TRSRetire provide?</a>
<div role="tabpanel" class="collapse" id="ans_11">
<p>My TRSRetire provides you with detailed fund information, transaction history, historical account balances and unit values. You also have access to online investment fund transfers and investment fund allocation changes as long as your plan doesn't have any special fund restrictions.</p>
</div>
</li>
<li class="panel"> <a href="#ans_12" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_12">When is My TRSRetire available?</a>
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<p>My TRSRetire is accessible 24 hours a day, 7 days a week.</p>
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</li>
<li class="panel"> <a href="#ans_13" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_13">Can I print the information from My TRSRetire that appears on my monitor?</a>
<div role="tabpanel" class="collapse" id="ans_13">
<p>Yes, you can print any screen using the supported Internet browsers. In Internet Explorer or Netscape, select FILE in your browser menu and then select PRINT. Make sure that you have the right printer selected before sending the file to the printer. If there is a print button available on the page, use the print button.</p>
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<div class="alert-message"> <strong>Note:</strong>
<p>Some screens will require you to print landscape in order to view all of the information on the screen. To do this in Internet Explorer, simply select File and Page Setup, and select the Landscape option. If you are using Netscape, select File and Print and then the Properties button. Select the Landscape option and then OK.</p>
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</li>
<li class="panel"> <a href="#ans_14" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_14">Why does the page cut off when I print?</a>
<div role="tabpanel" class="collapse" id="ans_14">
<p>Some pages may be too wide to print with your paper orientation set to PORTRAIT.</p>
<p>To change your paper orientation in Internet Explorer, select FILE on your browser menu and then select PAGE SETUP. In the lower left corner select LANDSCAPE and then select OK. When you are ready to print, select FILE on your browser menu then select PRINT. This setting should remain in effect until you change it.</p>
<p>To change your paper orientation in Netscape, wait until you are ready to print. When ready, select FILE on your browser menu and then select PRINT. After choosing your printer from the dropdown box, select PROPERTIES. Make sure that the PAPER tab is selected at the Select LANDSCAPE and then select OK. Select OK to print. This setting should remain in effect until you change it.</p>
</div>
</li>
<li class="panel"> <a href="#ans_15" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_15">When I select the Fund Hyperlinks, why do I get a blank screen?</a>
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<p>If you double-click on the Fund Hyperlinks, the linked screen might be behind the current screen. All hyperlinks should be selected with a single mouse click.</p>
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</li>
<li class="panel"> <a href="#ans_16" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_16">When I request changes to my account how can I ensure my request has been processed?</a>
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<p>When you are requesting financial changes to your account, there will be a confirmation number displayed when the transaction is complete. Please make a note of the confirmation number.</p>
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</li>
<li class="panel"> <a href="#ans_17" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_17">Whom do I contact for questions?</a>
<div role="tabpanel" class="collapse" id="ans_17">
<p>If you have any questions about this Web site please contact a Transamerica Retirement Solutions Representative at <a href="tel:+18007555801">800-755-5801</a> or send us an e-mail by using Contact Us in Help.</p>
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<li class="panel"> <a href="#ans_18" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_18">How soon can I expect a response from using Contact Us?</a>
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<p>Our standard response for most inquiries is within 24 hours.</p>
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</ol>
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<li class="js-faq-group">
<h3>Security</h3>
<ol class="number-list" id="faq_list_4">
<li class="panel"> <a href="#ans_19" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_19">How safe are Internet transmissions between my computer and My TRSRetire?</a>
<div role="tabpanel" class="collapse" id="ans_19">
<p>Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).</p>
<p>As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.</p>
</div>
</li>
<li class="panel"> <a href="#ans_20" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_20">What is 128-bit encryption or U.S. Security?</a>
<div role="tabpanel" class="collapse" id="ans_20">
<p>To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.</p>
</div>
</li>
<li class="panel"> <a href="#ans_21" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_21">What are digital certificates?</a>
<div role="tabpanel" class="collapse" id="ans_21">
<p>Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.</p>
</div>
</li>
<li class="panel"> <a href="#ans_22" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_22">What is Secure Socket Layer (SSL)?</a>
<div role="tabpanel" class="collapse" id="ans_22">
<p>Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.</p>
</div>
</li>
<li class="panel"> <a href="#ans_23" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_23">What is https://?</a>
<div role="tabpanel" class="collapse" id="ans_23">
<p>While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.</p>
</div>
</li>
<li class="panel"> <a href="#ans_24" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_24">Please explain the safety of My TRSRetire on the Internet in greater detail.</a>
<div role="tabpanel" class="collapse" id="ans_24">
<p>Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.</p>
<p>All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.</p>
<p>Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.</p>
<p>My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.</p>
<p>Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.</p>
</div>
</li>
<li class="panel"> <a href="#ans_25" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_25">Why is it important to use the Sign Out button to exit your account?</a>
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<p>Using the Sign Out button to exit will ensure the confidentially of your account.</p>
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<div role="tabpanel" class="tab-pane panel__glossary" id="glossary_tab">
<p> This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.</p>
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<ul class="nav navbar-nav">
<li><a href="#gloss_a" role="navigation" class="navbar-btn js-gloss-scroll">A</a></li>
<li><a href="#gloss_b" role="navigation" class="navbar-btn js-gloss-scroll">B</a></li>
<li><a href="#gloss_c" role="navigation" class="navbar-btn js-gloss-scroll">C</a></li>
<li><a href="#gloss_d" role="navigation" class="navbar-btn js-gloss-scroll">D</a></li>
<li><a href="#gloss_e" role="navigation" class="navbar-btn js-gloss-scroll">E</a></li>
<li><a href="#gloss_f" role="navigation" class="navbar-btn js-gloss-scroll">F</a></li>
<li><a href="#gloss_g" role="navigation" class="navbar-btn js-gloss-scroll">G</a></li>
<li><a href="#gloss_h" role="navigation" class="navbar-btn js-gloss-scroll">H</a></li>
<li><a href="#gloss_i" role="navigation" class="navbar-btn js-gloss-scroll">I</a></li>
<li><a href="#gloss_j" role="navigation" class="navbar-btn js-gloss-scroll">J</a></li>
<li><a href="#gloss_k" role="navigation" class="navbar-btn js-gloss-scroll">K</a></li>
<li><a href="#gloss_l" role="navigation" class="navbar-btn js-gloss-scroll">L</a></li>
<li><a href="#gloss_m" role="navigation" class="navbar-btn js-gloss-scroll">M</a></li>
<li><a href="#gloss_n" role="navigation" class="navbar-btn js-gloss-scroll">N</a></li>
<li><a href="#gloss_o" role="navigation" class="navbar-btn js-gloss-scroll">O</a></li>
<li><a href="#gloss_p" role="navigation" class="navbar-btn js-gloss-scroll">P</a></li>
<li><a href="#gloss_q" role="navigation" class="navbar-btn js-gloss-scroll">Q</a></li>
<li><a href="#gloss_r" role="navigation" class="navbar-btn js-gloss-scroll">R</a></li>
<li><a href="#gloss_s" role="navigation" class="navbar-btn js-gloss-scroll">S</a></li>
<li><a href="#gloss_t" role="navigation" class="navbar-btn js-gloss-scroll">T</a></li>
<li><a href="#gloss_u" role="navigation" class="navbar-btn js-gloss-scroll">U</a></li>
<li><a href="#gloss_v" role="navigation" class="navbar-btn js-gloss-scroll">V</a></li>
<li><a href="#gloss_w" role="navigation" class="navbar-btn js-gloss-scroll">W</a></li>
<li><a href="#gloss_x" role="navigation" class="navbar-btn js-gloss-scroll">X</a></li>
<li><a href="#gloss_y" role="navigation" class="navbar-btn js-gloss-scroll">Y</a></li>
<li><a href="#gloss_z" role="navigation" class="navbar-btn js-gloss-scroll">Z</a></li>
<li><a href="#gloss_num" role="navigation" class="navbar-btn js-gloss-scroll">#</a></li>
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<dl>
<dt id="gloss_a">A</dt>
<dt><dfn>(Future) Allocations</dfn></dt>
<dd>To distribute a percentage of money to one or more funds.</dd>
<dt id="gloss_b">B</dt>
<dt><dfn>Back End Load</dfn></dt>
<dd>A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.</dd>
<dt><dfn>Bear Market</dfn></dt>
<dd>A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.</dd>
<dt><dfn>Benefits Administration</dfn></dt>
<dd>The implementation and coordination of an employee benefits plan.</dd>
<dt id="gloss_c">C <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Capital Gain</dfn></dt>
<dd>The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.</dd>
<dt><dfn>Closing Price</dfn></dt>
<dd>The price of the last transaction for a given security at the end of a given trading session.</dd>
<dt><dfn>Confirmation</dfn></dt>
<dd>A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).</dd>
<dt><dfn>Contribution Types</dfn></dt>
<dd>The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.</dd>
<dt><dfn>Contributions (Saving Rate)</dfn></dt>
<dd>A portion of an employee / participant's current salary that is invested in a retirement plan.</dd>
<dt id="gloss_d">D</dt>
<dt><dfn>Defined Contribution Plan</dfn></dt>
<dd>A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.</dd>
<dt><dfn>Defined Benefit Plan</dfn></dt>
<dd>A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.</dd>
<dt><dfn>Diversification</dfn></dt>
<dd>Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.</dd>
<dt id="gloss_e">E</dt>
<dt><dfn>Employee Stock Ownership Plan</dfn></dt>
<dd>A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.</dd>
<dt id="gloss_f">F <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Fiduciary</dfn></dt>
<dd>An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.</dd>
<dt><dfn>Front-End Load</dfn></dt>
<dd>A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.</dd>
<dt id="gloss_g">G</dt>
<dt><dfn>General Obligation Bond</dfn></dt>
<dd>A municipal bond secured by the taxing and borrowing power of the municipality issuing it.</dd>
<dt><dfn><abbr>GIC</abbr></dfn></dt>
<dd>Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.</dd>
<dt id="gloss_h">H</dt>
<dt><dfn>High-Grade Bond</dfn></dt>
<dd>A bond with a rating of AAA or AA, the two highest ratings.</dd>
<dt><dfn>Hedge Fund</dfn></dt>
<dd>A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).</dd>
<dt id="gloss_i">I <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>IRA</abbr></dfn></dt>
<dd>Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.</dd>
<dt><dfn>Investment Mix</dfn></dt>
<dd>The combination of all the funds in your investment portfolio.</dd>
<dt id="gloss_j">J</dt>
<dt><dfn>January Effect</dfn></dt>
<dd>Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.</dd>
<dt><dfn>Joint Life Annuity</dfn></dt>
<dd>An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.</dd>
<dt><dfn>Junk Bond</dfn></dt>
<dd>A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.</dd>
<dt id="gloss_k">K</dt>
<dt><dfn>Kappa</dfn></dt>
<dd>A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.</dd>
<dt><dfn>Keogh Plan</dfn></dt>
<dd>A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.</dd>
<dt><dfn>Key Person Insurance</dfn></dt>
<dd>Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.</dd>
<dt><dfn>Krugerrand</dfn></dt>
<dd>Gold coin minted by the Republic of South Africa.</dd>
<dt id="gloss_l">L <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Loan Note</dfn></dt>
<dd>A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.</dd>
<dt><dfn>Loan Schedule</dfn></dt>
<dd>A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.</dd>
<dt id="gloss_m">M</dt>
<dt><dfn>Matching Funds</dfn></dt>
<dd>A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.</dd>
<dt><dfn>Money Market Fund</dfn></dt>
<dd>A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.</dd>
<dt><dfn>Mutual Funds</dfn></dt>
<dd>Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.</dd>
<dt id="gloss_n">N</dt>
<dt><dfn>Nasdaq Composite Index</dfn></dt>
<dd>A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.</dd>
<dt><dfn>New York Stock Exchange (NYSE)</dfn></dt>
<dd>The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.</dd>
<dt id="gloss_o">O <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Obligation Bond</dfn></dt>
<dd>Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.</dd>
<dt><dfn>Offering</dfn></dt>
<dd>The making available of a new securities to the public through an underwriting. Also called public offering.</dd>
<dt><dfn>Online Trading</dfn></dt>
<dd>The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.</dd>
<dt><dfn>Option</dfn></dt>
<dd>The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.</dd>
<dt id="gloss_p">P</dt>
<dt><dfn><abbr>PCRA</abbr></dfn></dt>
<dd>(Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.</dd>
<dt><dfn>Pending Transfer</dfn></dt>
<dd>A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.</dd>
<dt id="gloss_q">Q</dt>
<dt><dfn>Qualified Retirement Plan</dfn></dt>
<dd>A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.</dd>
<dt><dfn>Quarterly Report</dfn></dt>
<dd>Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.</dd>
<dt id="gloss_r">R <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Rate of Return</dfn></dt>
<dd>The rate of return on an investment, expressed as a percent of the total amount invested.</dd>
<dt><dfn>Rebalance (Investment Mix)</dfn></dt>
<dd>The process of changing your current investment mix to a new Investment Mix.</dd>
<dt><dfn>Rollover</dfn></dt>
<dd>A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.</dd>
<dt id="gloss_s">S</dt>
<dt><dfn>Savings Bond</dfn></dt>
<dd>A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.</dd>
<dt><dfn>Sector Fund</dfn></dt>
<dd>A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.</dd>
<dt><dfn>Strategic Allocation Fund (Multi asset class)</dfn></dt>
<dd>A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.</dd>
<dt id="gloss_t">T</dt>
<dt><dfn>Tender Offer</dfn></dt>
<dd>A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.</dd>
<dt><dfn>Time Horizon</dfn></dt>
<dd>The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.</dd>
<dt><dfn>Transfer</dfn></dt>
<dd>A function that moves account balances between various funds.</dd>
<dt><dfn>Transreferance Number</dfn></dt>
<dd>A number assigned to each transaction, consisting of a current date and a sequential number within that date.</dd>
<dt id="gloss_u">U <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Undervalued</dfn></dt>
<dd>Something whose price is below its perceived value.</dd>
<dt><dfn>Unit Value (NAV)</dfn></dt>
<dd>The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.</dd>
<dt><dfn>Unrealized Loss</dfn></dt>
<dd>Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.</dd>
<dt><dfn>U.S. Treasury Securities</dfn></dt>
<dd>Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.</dd>
<dt id="gloss_v">V</dt>
<dt><dfn>Value Fund</dfn></dt>
<dd>A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).</dd>
<dt><dfn>Vesting</dfn></dt>
<dd>Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.</dd>
<dt id="gloss_w">W</dt>
<dt><dfn>Weak Dollar</dfn></dt>
<dd>Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.</dd>
<dt><dfn>Windfall</dfn></dt>
<dd>Money received which was not expected and not a direct result of something the recipient did.</dd>
<dt><dfn>World Bank</dfn></dt>
<dd>An organization whose focus is on foreign exchange reserves and the balance of trade.</dd>
<dt id="gloss_x">X <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>X</abbr> or <abbr>XD</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.</dd>
<dt><dfn><abbr>XR</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.</dd>
<dt><dfn><abbr>XW</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is ex-warrants.</dd>
<dt id="gloss_y">Y</dt>
<dt><dfn>Yield to Maturity</dfn></dt>
<dd>Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.</dd>
<dt><dfn>Yankee Bond Market</dfn></dt>
<dd>Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.</dd>
<dt id="gloss_z">Z </dt>
<dt><dfn>Zero-Coupon Bond</dfn></dt>
<dd>A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.</dd>
<dt><dfn>Zero-Coupon Convertible</dfn></dt>
<dd>A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.</dd>
<dt id="gloss_num"># <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>401(k) Plan</dfn></dt>
<dd>A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.</dd>
<dt><dfn>403(b) Plan</dfn></dt>
<dd>A defined contribution plan established by certain tax exempt organizations and public schools for their employees.</dd>
<dt><dfn>457 Plan</dfn></dt>
<dd>A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.</dd>
</dl>
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My BENCOR Products

RETIREMENT PLANS (800) 355-4556
| Plan Name | Plan Number | Plan Balance | |
|---|---|---|---|
| EFG 401 (k) Even Longer Line 2 | QA99999 00001 | $200,000.20 | Access this planDETAILS |
| Transamerica and Aegon Compliance Employees 401(k) | QA99999 00001 | $200,000.20 | Access this plan |
| Total DC Balance | $400,000.20 |
My Transamerica Products

RETIREMENT PLANS (800) 355-4556
| Plan Name | Plan Number | Plan Balance | |
|---|---|---|---|
| EFG 401 (k) Even Longer Line 2 | QA99999 00001 | $200,000.20 | Access this planDETAILS |
| Transamerica and Aegon Compliance Employees 401(k) | QA99999 00001 | $200,000.20 | Access this plan |
| Total DC Balance | $400,000.20 |
My BENCOR Products

Defined Contribution
EFG 401(k) Even Longer Line 2
Plan Number
Plan Balance
Transamerica and Aegon Compliance Employee 401(k)
Plan Number
Plan Balance
Related Defined
Contribution Plans
North Shore-LIJ Health System/Provider: LINCOLN - PENFACTS
Plan Number
Plan Balance
EFG 401(k) Even Longer Line 2
Plan Number
Plan Balance
My Transamerica Products
Defined Contribution
EFG 401(k) Even Longer Line 2
Plan Number
Plan Balance
Transamerica and Aegon Compliance Employee 401(k)
Plan Number
Plan Balance
Related Defined
Contribution Plans
North Shore-LIJ Health System/Provider: LINCOLN - PENFACTS
Plan Number
Plan Balance
EFG 401(k) Even Longer Line 2
Plan Number
Plan Balance
| Contribution Type | Balance |
|---|---|
| Employer Deferral Cash Value | $2,266.26 |
| Employee Cash Value | $835.53 |
| Total: | $3,101.79 |
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Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.
All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.
Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.
My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.
Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.
- Why is it important to use the Sign Out button to exit your account?
Using the Sign Out button to exit will ensure the confidentially of your account.
- How safe are Internet transmissions between my computer and My TRSRetire?
This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.
To see a word and its's definition, select a letter from the menu to go to that section of the alphabet.
- A
- (Future) Allocations
- To distribute a percentage of money to one or more funds.
- B
- Back End Load
- A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.
- Bear Market
- A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.
- Benefits Administration
- The implementation and coordination of an employee benefits plan.
- C back to top
- Capital Gain
- The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.
- Closing Price
- The price of the last transaction for a given security at the end of a given trading session.
- Confirmation
- A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).
- Contribution Types
- The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.
- Contributions (Saving Rate)
- A portion of an employee / participant's current salary that is invested in a retirement plan.
- D
- Defined Contribution Plan
- A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.
- Defined Benefit Plan
- A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.
- Diversification
- Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.
- E
- Employee Stock Ownership Plan
- A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.
- F back to top
- Fiduciary
- An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.
- Front-End Load
- A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.
- G
- General Obligation Bond
- A municipal bond secured by the taxing and borrowing power of the municipality issuing it.
- GIC
- Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.
- H
- High-Grade Bond
- A bond with a rating of AAA or AA, the two highest ratings.
- Hedge Fund
- A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).
- I back to top
- IRA
- Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.
- Investment Mix
- The combination of all the funds in your investment portfolio.
- J
- January Effect
- Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.
- Joint Life Annuity
- An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.
- Junk Bond
- A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.
- K
- Kappa
- A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.
- Keogh Plan
- A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.
- Key Person Insurance
- Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.
- Krugerrand
- Gold coin minted by the Republic of South Africa.
- L back to top
- Loan Note
- A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.
- Loan Schedule
- A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.
- M
- Matching Funds
- A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.
- Money Market Fund
- A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.
- Mutual Funds
- Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.
- N
- Nasdaq Composite Index
- A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.
- New York Stock Exchange (NYSE)
- The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.
- O back to top
- Obligation Bond
- Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.
- Offering
- The making available of a new securities to the public through an underwriting. Also called public offering.
- Online Trading
- The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.
- Option
- The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.
- P
- PCRA
- (Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.
- Pending Transfer
- A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.
- Q
- Qualified Retirement Plan
- A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.
- Quarterly Report
- Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.
- R back to top
- Rate of Return
- The rate of return on an investment, expressed as a percent of the total amount invested.
- Rebalance (Investment Mix)
- The process of changing your current investment mix to a new Investment Mix.
- Rollover
- A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.
- S
- Savings Bond
- A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.
- Sector Fund
- A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.
- Strategic Allocation Fund (Multi asset class)
- A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.
- T
- Tender Offer
- A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.
- Time Horizon
- The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.
- Transfer
- A function that moves account balances between various funds.
- Transreferance Number
- A number assigned to each transaction, consisting of a current date and a sequential number within that date.
- U back to top
- Undervalued
- Something whose price is below its perceived value.
- Unit Value (NAV)
- The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.
- Unrealized Loss
- Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.
- U.S. Treasury Securities
- Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.
- V
- Value Fund
- A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).
- Vesting
- Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.
- W
- Weak Dollar
- Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.
- Windfall
- Money received which was not expected and not a direct result of something the recipient did.
- World Bank
- An organization whose focus is on foreign exchange reserves and the balance of trade.
- X back to top
- X or XD
- A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.
- XR
- A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.
- XW
- A symbol used by newspapers to signify that a stock is ex-warrants.
- Y
- Yield to Maturity
- Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.
- Yankee Bond Market
- Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.
- Z
- Zero-Coupon Bond
- A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.
- Zero-Coupon Convertible
- A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.
- # back to top
- 401(k) Plan
- A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.
- 403(b) Plan
- A defined contribution plan established by certain tax exempt organizations and public schools for their employees.
- 457 Plan
- A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.
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</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Rollovers
</a>
</li>
</ul>
</li>
<!-- /Manage -->
<!-- Are You OnTrack®? -->
<li>
<a href="#nav_ontrack" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-on-track" aria-hidden="true"></span>
Are You OnTrack®?
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_ontrack">
<li>
<a href="#url" class="list-group-item selected">
Your Retirement Outlook®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Brighten Your Outlook®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Profile and Goals
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Retirement Accounts
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Retirement Incomes
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Budget and Withdrawals
</a>
</li>
</ul>
</li>
<!-- /Are You OnTrack®? -->
<!-- Resource Center -->
<li>
<a href="#nav_resources" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon glyphicon glyphicon-dashboard" aria-hidden="true"></span>
Resource Center
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_resources">
<li>
<a href="#url" class="list-group-item selected">
Calculators
</a>
</li>
</ul>
</li>
<!-- /Resource Center -->
<!-- Contact Us -->
<!--li>
<a href="#nav_contact" class="list-group-item nav--primary__head nav--primary__contact" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-phone-ring" aria-hidden="true"></span>
Contact Us
<span class="trs-utility--light">1-800-755-5801</span>
</a>
</li-->
<!-- /Contact Us -->
</ul>
</div>
</div>
</div>
</nav>
<!-- /Main Nav -->
</nav>
</div>
<!-- /sidebar -->
<!-- main area & col-xs-12 -->
<div class="non-responsive-swipe">
<div class="col-xs-12 col-sm-12 col-md-9 left-content-border right_panel">
<main class="row" id="main_content">
<p class="status-note text-right">Last login: 10/25/2016 12:28 p.m. CST</p>
<!-- Begin "body" -->
<div class="col-xs-12 ">
<!-- YOUR CODE STARTS HERE. REMOVE THIS COMMENT AFTERWARDS. -->
<div class="desktopDashboard">
<div class="row">
<div class="col-xs-8"><h1>My BENCOR Products</h1></div>
<div class="col-xs-4 text-right__desktop"><img src="../../images/sample/bencor-logo.png"/></div>
</div>
<h2 class="sso--h2">RETIREMENT PLANS <span class="white-label__phone">(800) 355-4556</span></h2>
<hr class="sso--hr sso__black">
<div class="row">
<div class="col-xs-6 sso--section-title padding-bottom-md__desktop">Defined Contribution</div>
<div class="col-xs-6 text-right sso--section-title__date"><span class="sr-only"> Accounts </span> As of
01/01/2015
</div>
</div>
<div class="visible-xs text-border-top padding-top padding-bottom-md"><strong>Total DC Balance:</strong>
$400,000.20
</div>
<div class="table--style2">
<table class="table tbl_fixed_width sso--tbl" aria-describedby="">
<thead>
<tr>
<th class="tbl-35col" scope="col" id="" >Plan Name</th>
<th class="" scope="col" id="" >Plan Number</th>
<th class="" scope="col" id="" >Plan Balance</th>
<th class="" scope="col" id="" ></th>
</tr>
</thead>
<tbody>
<tr class="tbl-td-noborder" >
<td class="" data-title="">EFG 401 (k) Even Longer Line 2 </td>
<td class="" data-title="Plan Number:">QA99999 00001</td>
<td class="" data-title="Plan Plan Balance:">$200,000.20</td>
<td class="tbl-mobile-hide text-right" data-title=""><a role='button' href='javascript:void(0);' class='sr-only'>Access this plan</a><a href='#' class='btn btn-primary btn-short' data-toggle='modal' data-target='#modal-1' >DETAILS</a></td>
</tr>
<tr class="tbl-td-noborder" >
<td class="" data-title="">Transamerica and Aegon Compliance Employees 401(k)</td>
<td class="" data-title="Plan Number:">QA99999 00001</td>
<td class="" data-title="Plan Plan Balance:">$200,000.20</td>
<td class="tbl-mobile-hide text-right" data-title=""><a role='button' href='javascript:void(0);' class='sr-only'>Access this plan</a><button type="button" class="btn btn-primary btn-short" aria-hidden="true">DETAILS</button></td>
</tr>
</tbody>
<tfoot>
<tr class="tbl-nobkg">
<th class="" scope="row" id="">Total DC Balance</th>
<th class="" scope="row" id="" aria-hidden="true"></th>
<th class="" scope="row" id="">$400,000.20</th>
<th class="" scope="row" id="" aria-hidden="true"></th>
</tr>
</tfoot>
</table>
</div>
<div class="row">
<div class="col-xs-8"><h1>My Transamerica Products</h1></div>
<div class="col-xs-4 text-right__desktop"><img src="../../images/sample/transamerica-logo-white.png"/></div>
</div>
<h2 class="sso--h2">RETIREMENT PLANS <span class="white-label__phone">(800) 355-4556</span></h2>
<hr class="sso--hr sso__black">
<div class="row">
<div class="col-xs-6 sso--section-title padding-bottom-md__desktop">Defined Contribution</div>
<div class="col-xs-6 text-right sso--section-title__date"><span class="sr-only"> Accounts </span> As of
01/01/2015
</div>
</div>
<div class="visible-xs text-border-top padding-top padding-bottom-md"><strong>Total DC Balance:</strong>
$400,000.20
</div>
<div class="table--style2">
<table class="table tbl_fixed_width sso--tbl" aria-describedby="">
<thead>
<tr>
<th class="tbl-35col" scope="col" id="" >Plan Name</th>
<th class="" scope="col" id="" >Plan Number</th>
<th class="" scope="col" id="" >Plan Balance</th>
<th class="" scope="col" id="" ></th>
</tr>
</thead>
<tbody>
<tr class="tbl-td-noborder" >
<td class="" data-title="">EFG 401 (k) Even Longer Line 2 </td>
<td class="" data-title="Plan Number:">QA99999 00001</td>
<td class="" data-title="Plan Plan Balance:">$200,000.20</td>
<td class="tbl-mobile-hide text-right" data-title=""><a role='button' href='javascript:void(0);' class='sr-only'>Access this plan</a><a href='#' class='btn btn-primary btn-short' data-toggle='modal' data-target='#modal-1' >DETAILS</a></td>
</tr>
<tr class="tbl-td-noborder" >
<td class="" data-title="">Transamerica and Aegon Compliance Employees 401(k)</td>
<td class="" data-title="Plan Number:">QA99999 00001</td>
<td class="" data-title="Plan Plan Balance:">$200,000.20</td>
<td class="tbl-mobile-hide text-right" data-title=""><a role='button' href='javascript:void(0);' class='sr-only'>Access this plan</a><button type="button" class="btn btn-primary btn-short" aria-hidden="true">DETAILS</button></td>
</tr>
</tbody>
<tfoot>
<tr class="tbl-nobkg">
<th class="" scope="row" id="">Total DC Balance</th>
<th class="" scope="row" id="" aria-hidden="true"></th>
<th class="" scope="row" id="">$400,000.20</th>
<th class="" scope="row" id="" aria-hidden="true"></th>
</tr>
</tfoot>
</table>
</div>
</div>
<!--START MOBILE DASHBOARD-->
<div class="mobileDashboard row noprint">
<div class="panel-group sso--dashboard" id="myProductsBencor">
<div class="col-sm-8"><h1 class="no-vertical-margin padding-bottom">My BENCOR Products</h1></div>
<div class="col-sm-4 text-center padding-bottom"><img src="../../images/sample/bencor-logo.png"/></div>
<!--START PANEL GROUP-->
<div class="panel panel-default">
<div class="accordion-toggle panel-heading" data-toggle="collapse" data-parent="#myProductsBencor"
href="#panel_1" aria-expanded="true">
<div class="row">
<div class="col-xs-10 sso--accordion_title">RETIREMENT PLANS</div>
<div class="col-xs-2 text-right"><span class="glyphicon glyphicon-plus-sign"
aria-hidden="true"></span></div>
</div>
</div>
<div id="panel_1" class="panel-collapse collapse in">
<div class="panel-body">
<!--START GROUP-->
<div class="row">
<div class="col-xs-12 text-center sso--headline">
<h3>Defined Contribution</h3>
</div>
</div>
<!--START PLAN-->
<div class="sso--plan">
<div class="row">
<div class="col-xs-12 sso--plan_headline">Plan Name:<br>
EFG 401(k) Even Longer Line 2
</div>
</div>
<div class="row">
<div class="col-xs-6"><span class="sso--font1">QA99999 00001</span><br>
<span class="sso--font2">Plan Number</span></div>
<div class="col-xs-6 text-right"><span class="sso--font1">$200,000.20</span><br>
<span class="sso--font2">Plan Balance</span></div>
</div>
<div class="row">
<div class="col-xs-12 col-bold text-center">
<button type="button" class="btn btn-primary" data-toggle="modal"
data-target="#modal-1">DETAILS
</button>
</div>
</div>
</div>
<!--END PLAN-->
<!--START PLAN-->
<div class="sso--plan">
<div class="row">
<div class="col-xs-12 sso--plan_headline">Plan Name:<br>
Transamerica and Aegon Compliance Employee 401(k)
</div>
</div>
<div class="row">
<div class="col-xs-6"><span class="sso--font1">QA99999 00001</span><br>
<span class="sso--font2">Plan Number</span></div>
<div class="col-xs-6 text-right"><span class="sso--font1">$200,000.20</span><br>
<span class="sso--font2">Plan Balance</span></div>
</div>
<div class="row">
<div class="col-xs-12 col-bold text-center">
<button type="button" class="btn btn-primary" data-toggle="modal"
data-target="#modal-1">DETAILS
</button>
</div>
</div>
</div>
<!--END PLAN-->
<!--START TOTALS-->
<div class="row sso--totals">
<div class="col-xs-6 text-left">Total DC Balance:</div>
<div class="col-xs-6 text-right">$400,000.40</div>
</div>
<!--END TOTALS-->
<!--END GROUP-->
<!--START GROUP-->
<div class="row">
<div class="col-xs-12 text-center sso--headline">
<h3>Related Defined<br>
Contribution Plans</h3>
</div>
</div>
<!--START PLAN-->
<div class="sso--plan">
<div class="row">
<div class="col-xs-12 sso--plan_headline">Employee/Provider:<br>
North Shore-LIJ Health System/Provider: LINCOLN - PENFACTS
</div>
</div>
<div class="row">
<div class="col-xs-6"><span class="sso--font1">L44574F5#11-2241326</span><br>
<span class="sso--font2">Plan Number</span></div>
<div class="col-xs-6 text-right"><span class="sso--font3">As of 02/12/2016</span> <span
class="sso--font1">$200,000.20</span><br>
<span class="sso--font2">Plan Balance</span></div>
</div>
<div class="row">
<div class="col-xs-12 col-bold text-center">
<button type="button" class="btn btn-primary" data-toggle="modal"
data-target="#modal-1">DETAILS
</button>
</div>
</div>
</div>
<!--END PLAN-->
<!--START PLAN-->
<div class="sso--plan">
<div class="row">
<div class="col-xs-12 sso--plan_headline">Plan Name:<br>
EFG 401(k) Even Longer Line 2
</div>
</div>
<div class="row">
<div class="col-xs-6"><span class="sso--font1">QA99999 00001</span><br>
<span class="sso--font2">Plan Number</span></div>
<div class="col-xs-6 text-right"><span class="sso--font1">$200,000.20</span><br>
<span class="sso--font2">Plan Balance</span></div>
</div>
<div class="row">
<div class="col-xs-12 col-bold text-center">
<button type="button" class="btn btn-primary" data-toggle="modal"
data-target="#modal-1">DETAILS
</button>
</div>
</div>
</div>
<!--END PLAN-->
<!--START TOTALS-->
<div class="row sso--totals">
<div class="col-xs-6 text-left">Total DC Balance:</div>
<div class="col-xs-6 text-right">$400,000.40</div>
</div>
<div class="row">
<div class="col-xs-12 sso--footnotes">*Accounts reported on a gross basis will be reduced by any
outstanding or defaulted loan balances you may have before they are included in your <em>OnTrack</em><sup>®</sup>
total for estimating your retirement income and outlook.
</div>
</div>
<!--END TOTALS-->
<!--END GROUP-->
</div>
</div>
</div>
<!--END PANEL GROUP-->
</div>
</div>
<div class="mobileDashboard row noprint">
<div class="panel-group sso--dashboard" id="myProducts">
<div class="col-sm-8"><h1 class="no-vertical-margin padding-bottom">My Transamerica Products</h1></div>
<div class="col-sm-4 text-center padding-bottom"><img src="../../images/sample/transamerica-logo-white.png"/>
</div>
<!--START PANEL GROUP-->
<div class="panel panel-default">
<div class="accordion-toggle panel-heading" data-toggle="collapse" data-parent="#myProducts" href="#panel_2"
aria-expanded="true">
<div class="row">
<div class="col-xs-10 sso--accordion_title">RETIREMENT PLANS</div>
<div class="col-xs-2 text-right"><span class="glyphicon glyphicon-plus-sign"
aria-hidden="true"></span></div>
</div>
</div>
<div id="panel_2" class="panel-collapse collapse in">
<div class="panel-body">
<!--START GROUP-->
<div class="row">
<div class="col-xs-12 text-center sso--headline">
<h3>Defined Contribution</h3>
</div>
</div>
<!--START PLAN-->
<div class="sso--plan">
<div class="row">
<div class="col-xs-12 sso--plan_headline">Plan Name:<br>
EFG 401(k) Even Longer Line 2
</div>
</div>
<div class="row">
<div class="col-xs-6"><span class="sso--font1">QA99999 00001</span><br>
<span class="sso--font2">Plan Number</span></div>
<div class="col-xs-6 text-right"><span class="sso--font1">$200,000.20</span><br>
<span class="sso--font2">Plan Balance</span></div>
</div>
<div class="row">
<div class="col-xs-12 col-bold text-center">
<button type="button" class="btn btn-primary" data-toggle="modal"
data-target="#modal-1">DETAILS
</button>
</div>
</div>
</div>
<!--END PLAN-->
<!--START PLAN-->
<div class="sso--plan">
<div class="row">
<div class="col-xs-12 sso--plan_headline">Plan Name:<br>
Transamerica and Aegon Compliance Employee 401(k)
</div>
</div>
<div class="row">
<div class="col-xs-6"><span class="sso--font1">QA99999 00001</span><br>
<span class="sso--font2">Plan Number</span></div>
<div class="col-xs-6 text-right"><span class="sso--font1">$200,000.20</span><br>
<span class="sso--font2">Plan Balance</span></div>
</div>
<div class="row">
<div class="col-xs-12 col-bold text-center">
<button type="button" class="btn btn-primary" data-toggle="modal"
data-target="#modal-1">DETAILS
</button>
</div>
</div>
</div>
<!--END PLAN-->
<!--START TOTALS-->
<div class="row sso--totals">
<div class="col-xs-6 text-left">Total DC Balance:</div>
<div class="col-xs-6 text-right">$400,000.40</div>
</div>
<!--END TOTALS-->
<!--END GROUP-->
<!--START GROUP-->
<div class="row">
<div class="col-xs-12 text-center sso--headline">
<h3>Related Defined<br>
Contribution Plans</h3>
</div>
</div>
<!--START PLAN-->
<div class="sso--plan">
<div class="row">
<div class="col-xs-12 sso--plan_headline">Employee/Provider:<br>
North Shore-LIJ Health System/Provider: LINCOLN - PENFACTS
</div>
</div>
<div class="row">
<div class="col-xs-6"><span class="sso--font1">L44574F5#11-2241326</span><br>
<span class="sso--font2">Plan Number</span></div>
<div class="col-xs-6 text-right"><span class="sso--font3">As of 02/12/2016</span> <span
class="sso--font1">$200,000.20</span><br>
<span class="sso--font2">Plan Balance</span></div>
</div>
<div class="row">
<div class="col-xs-12 col-bold text-center">
<button type="button" class="btn btn-primary" data-toggle="modal"
data-target="#modal-1">DETAILS
</button>
</div>
</div>
</div>
<!--END PLAN-->
<!--START PLAN-->
<div class="sso--plan">
<div class="row">
<div class="col-xs-12 sso--plan_headline">Plan Name:<br>
EFG 401(k) Even Longer Line 2
</div>
</div>
<div class="row">
<div class="col-xs-6"><span class="sso--font1">QA99999 00001</span><br>
<span class="sso--font2">Plan Number</span></div>
<div class="col-xs-6 text-right"><span class="sso--font1">$200,000.20</span><br>
<span class="sso--font2">Plan Balance</span></div>
</div>
<div class="row">
<div class="col-xs-12 col-bold text-center">
<button type="button" class="btn btn-primary" data-toggle="modal"
data-target="#modal-1">DETAILS
</button>
</div>
</div>
</div>
<!--END PLAN-->
<!--START TOTALS-->
<div class="row sso--totals">
<div class="col-xs-6 text-left">Total DC Balance:</div>
<div class="col-xs-6 text-right">$400,000.40</div>
</div>
<div class="row">
<div class="col-xs-12 sso--footnotes">*Accounts reported on a gross basis will be reduced by any
outstanding or defaulted loan balances you may have before they are included in your <em>OnTrack</em><sup>®</sup>
total for estimating your retirement income and outlook.
</div>
</div>
<!--END TOTALS-->
<!--END GROUP-->
</div>
</div>
</div>
<!--END PANEL GROUP-->
</div>
</div>
<!--END MOBILE DASHBOARD-->
<div class="modal fade" id="modal-1" tabindex="-1" role="dialog" aria-labelledby="">
<div class="modal-dialog " role="document"><!-- optional modal-lg or modal-sm can be added here -->
<div class="modal-content">
<div class="modal-header no-border">
<div class="text-right"><a data-dismiss="modal" href="javascript:void(0);"><img
src="../../images/close_modal.png" width="17" height="16" alt=""/></a></div>
<h3 class="modal-title sso--modal__title" id="modal_title">RELATED ACCOUNTS DETAILS</h3>
</div>
<div class="modal-body">
<div class="sso--modal__list">Employer: North Shore - LIJ Health System</div>
<div class="sso--modal__list">Provider: Lincoln - Penfacts</div>
<div class="sso--modal__list">Account Number: L44574F5#11-2241326</div>
<div class="sso--modal__list">Account Type: 403(b)</div>
<div class="row margin-top-lg">
<div class="col-xs-6 sso--section-title padding-bottom-md__desktop">Balances</div>
<div class="col-xs-6 text-right sso--section-title__date"><span
class="sr-only"> Accounts </span>As of 02/12/2016
</div>
</div>
<div class="visible-xs text-border-top padding-top padding-bottom-md"><strong>Total DC
Balance:</strong> $400,000.20
</div>
<div class="table--style2">
<table class="table table-inline" aria-describedby="">
<thead>
<tr>
<th class="no-wrap" scope="col" id="" >Contribution Type</th>
<th class="text-right" scope="col" id="" >Balance</th>
</tr>
</thead>
<tbody>
<tr class="tbl-td-noborder" >
<td class="" data-title="">Employer Deferral Cash Value</td>
<td class="text-right" data-title="Plan Number:">$2,266.26</td>
</tr>
<tr class="tbl-td-noborder" >
<td class="" data-title="">Employee Cash Value</td>
<td class="text-right" data-title="Plan Number:">$835.53</td>
</tr>
</tbody>
<tfoot>
<tr class="tbl-nobkg">
<th class="" scope="row" id="">Total:</th>
<th class="text-right" scope="row" id="">$3,101.79</th>
</tr>
</tfoot>
</table>
</div>
</div>
<div class="sso--modal__footer"><a type="button" class="btn btn-primary" data-dismiss="modal"
href="javascript:void(0);">CLOSE</a></div>
</div>
<!-- /.modal-content -->
</div>
<!-- /.modal-dialog -->
</div>
<!-- /.modal -->
<!-- /YOUR CODE ENDS HERE. REMOVE THIS COMMENT AFTERWARDS. -->
</div>
<!-- End "body" -->
</main>
<div class="container-fluid bg-gray-light-5 sso-footer row">
<div class="row">
<div class="col-xs-12 ta-footer__socialmedia"><!-- Start Component Presentation: {"ComponentID" : "tcm:100-60576", "ComponentModified" : "2016-04-25T10:41:29", "ComponentTemplateID" : "tcm:100-60577-32", "ComponentTemplateModified" : "2015-12-16T09:58:09", "IsRepositoryPublished" : false} -->
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<input type="checkbox" id="updateEmailCheck" name="check">
<label for="updateEmailCheck"><span role="checkbox"></span>Update my account(s) with this email address</label>
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<p class="horizontal-padding">Check the box for all future email correspondence to be sent to this email address, including electronic notifications for any services in which you are enrolled.</p>
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<label for="company">Employer:</label>
<input name="company" id="company" type="text" autocapitalize="off" autocorrect="off" autocomplete="organization" value="Milwaukee Electric Tool Corporation" disabled>
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<fieldset><legend class="label">Are you still employed here?</legend>
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<label for="employedYes" class="radio-inline"> <span role="radio"></span> Yes</label>
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<label for="acctNum">Account Number:</label>
<input name="acctNum" id="acctNum" type="text" autocapitalize="off" autocorrect="off" autocomplete="" pattern="\d*">
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<p>To view the answers to the following questions, select the link for that question.</p>
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<h3>Access</h3>
<ol class="number-list" id="faq_list_1">
<li class="panel"> <a href="#ans_1" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_1" id="q_1">Are there any special browser requirements to use My TRSRetire?</a>
<div role="tab" class="collapse" id="ans_1" aria-labelledby="q_1">
<p>My TRSRetire has been optimized to work best in Microsoft Internet Explorer (version 8.0 or higher), as well as Google Chrome, Mozilla Firefox, and Apple Safari. To check the current version of Internet Explorer, select HELP in your browser menu, then choose ABOUT INTERNET EXPLORER. You can download a free copy of the latest version of Microsoft Internet Explorer, Firefox, Safari or Chrome by clicking on the appropriate button below.</p>
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<p>Additionally, this website works best with a minimum version of Adobe Flash Player 9 and a browser with JavaScript enabled.</p>
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<li class="panel"> <a href="#ans_2" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_2" id="q_2">If I am going to dial into the Internet, how do I disable call waiting?</a>
<div role="tab" class="collapse" id="ans_2" aria-labelledby="q_2">
<p>Insert *70 in front of the telephone number in the phone number dialogue box on your computer prior to dialing OR press *70 on your telephone and hang up the phone. Call waiting will be disabled for the next outgoing call made on the phone line. Call waiting will not be disabled for any further calls unless *70, is dialed again.</p>
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<li class="panel"> <a href="#ans_3" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_3" id="q_3">Why do I have trouble signing in from work?</a>
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<p>You may be behind a corporate firewall at work. The firewall serves to enforce security policy on your network. Often, administrators restrict encrypted information, like your Transamerica account information, from entering networks. Verify your restrictions by contacting your network administrator.</p>
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<h3>Signing In</h3>
<ol class="number-list" id="faq_list_2">
<li class="panel"> <a href="#ans_4" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_4">I haven't established a Username/Password. How do I create one?</a>
<div role="tabpanel" class="collapse" id="ans_4">
<p>If you are a first time user select the GET STARTED button on the Sign In screen, it will take you to the Welcome Screen to create your Username and Password.</p>
</div>
</li>
<li class="panel"> <a href="#ans_5" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_5">Why does My TRSRetire offer the option to use Username or Social Security Number for Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_5">
<p>Your personal information is very important to us. My TRSRetire offers the option of using either Username or Social Security Number for additional security.</p>
</div>
</li>
<li class="panel"> <a href="#ans_9" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_9">How can I change my Username?</a>
<div role="tabpanel" class="collapse" id="ans_9">
<p>Select the change Username option in the Manage Profile section. You will be able to create a new Username or use your Social Security Number as your Username.</p>
</div>
</li>
<li class="panel"> <a href="#ans_10" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_10">What if I forgot my Username?</a>
<div role="tabpanel" class="collapse" id="ans_10">
<p>Use your Social Security Number if you do not remember your Username.</p>
</div>
</li>
<li class="panel"> <a href="#ans_6" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_6">What if I forgot my password?</a>
<div role="tabpanel" class="collapse" id="ans_6">
<p>Select the 'Lost your ID or password?' link on the Sign In screen. You will be required to enter your social security or username to have your password hint emailed to you. If you still do not remember your password, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative.</p>
</div>
</li>
<li class="panel"> <a href="#ans_7" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_7">How do I change my password?</a>
<div role="tabpanel" class="collapse" id="ans_7">
<p>Select the 'Change Password' option in the Manage Profile section.</p>
</div>
</li>
<li class="panel"> <a href="#ans_8" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_8">Why doesn't my password work when I try to Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_8">
<p>Make sure that you are entering your correct Username or Social Security Number and Password. If you are still unable to Sign In, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative or send us an email using Contact Us in Help.</p>
<div class="alert alert-caution">
<div class="alert-icon"><span class="trs-icons-alert-caution alert-icon-size" role="presentation"></span></div>
<div class="alert-message"> <strong>Note:</strong>
<p>After three unsuccessful Sign In attempts, your account will be disabled.</p>
</div>
</div>
</div>
</li>
</ol>
</li>
<li class="js-faq-group">
<h3>Service</h3>
<ol class="number-list" id="faq_list_3">
<li class="panel"> <a href="#ans_11" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_11">What services does My TRSRetire provide?</a>
<div role="tabpanel" class="collapse" id="ans_11">
<p>My TRSRetire provides you with detailed fund information, transaction history, historical account balances and unit values. You also have access to online investment fund transfers and investment fund allocation changes as long as your plan doesn't have any special fund restrictions.</p>
</div>
</li>
<li class="panel"> <a href="#ans_12" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_12">When is My TRSRetire available?</a>
<div role="tabpanel" class="collapse" id="ans_12">
<p>My TRSRetire is accessible 24 hours a day, 7 days a week.</p>
</div>
</li>
<li class="panel"> <a href="#ans_13" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_13">Can I print the information from My TRSRetire that appears on my monitor?</a>
<div role="tabpanel" class="collapse" id="ans_13">
<p>Yes, you can print any screen using the supported Internet browsers. In Internet Explorer or Netscape, select FILE in your browser menu and then select PRINT. Make sure that you have the right printer selected before sending the file to the printer. If there is a print button available on the page, use the print button.</p>
<div class="alert alert-info">
<div class="alert-icon"><span class="trs-icons-alert-info alert-icon-size" role="presentation"></span></div>
<div class="alert-message"> <strong>Note:</strong>
<p>Some screens will require you to print landscape in order to view all of the information on the screen. To do this in Internet Explorer, simply select File and Page Setup, and select the Landscape option. If you are using Netscape, select File and Print and then the Properties button. Select the Landscape option and then OK.</p>
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</div>
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</li>
<li class="panel"> <a href="#ans_14" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_14">Why does the page cut off when I print?</a>
<div role="tabpanel" class="collapse" id="ans_14">
<p>Some pages may be too wide to print with your paper orientation set to PORTRAIT.</p>
<p>To change your paper orientation in Internet Explorer, select FILE on your browser menu and then select PAGE SETUP. In the lower left corner select LANDSCAPE and then select OK. When you are ready to print, select FILE on your browser menu then select PRINT. This setting should remain in effect until you change it.</p>
<p>To change your paper orientation in Netscape, wait until you are ready to print. When ready, select FILE on your browser menu and then select PRINT. After choosing your printer from the dropdown box, select PROPERTIES. Make sure that the PAPER tab is selected at the Select LANDSCAPE and then select OK. Select OK to print. This setting should remain in effect until you change it.</p>
</div>
</li>
<li class="panel"> <a href="#ans_15" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_15">When I select the Fund Hyperlinks, why do I get a blank screen?</a>
<div role="tabpanel" class="collapse" id="ans_15">
<p>If you double-click on the Fund Hyperlinks, the linked screen might be behind the current screen. All hyperlinks should be selected with a single mouse click.</p>
</div>
</li>
<li class="panel"> <a href="#ans_16" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_16">When I request changes to my account how can I ensure my request has been processed?</a>
<div role="tabpanel" class="collapse" id="ans_16">
<p>When you are requesting financial changes to your account, there will be a confirmation number displayed when the transaction is complete. Please make a note of the confirmation number.</p>
</div>
</li>
<li class="panel"> <a href="#ans_17" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_17">Whom do I contact for questions?</a>
<div role="tabpanel" class="collapse" id="ans_17">
<p>If you have any questions about this Web site please contact a Transamerica Retirement Solutions Representative at <a href="tel:+18007555801">800-755-5801</a> or send us an e-mail by using Contact Us in Help.</p>
</div>
</li>
<li class="panel"> <a href="#ans_18" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_18">How soon can I expect a response from using Contact Us?</a>
<div role="tabpanel" class="collapse" id="ans_18">
<p>Our standard response for most inquiries is within 24 hours.</p>
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</li>
</ol>
</li>
<li class="js-faq-group">
<h3>Security</h3>
<ol class="number-list" id="faq_list_4">
<li class="panel"> <a href="#ans_19" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_19">How safe are Internet transmissions between my computer and My TRSRetire?</a>
<div role="tabpanel" class="collapse" id="ans_19">
<p>Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).</p>
<p>As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.</p>
</div>
</li>
<li class="panel"> <a href="#ans_20" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_20">What is 128-bit encryption or U.S. Security?</a>
<div role="tabpanel" class="collapse" id="ans_20">
<p>To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.</p>
</div>
</li>
<li class="panel"> <a href="#ans_21" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_21">What are digital certificates?</a>
<div role="tabpanel" class="collapse" id="ans_21">
<p>Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.</p>
</div>
</li>
<li class="panel"> <a href="#ans_22" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_22">What is Secure Socket Layer (SSL)?</a>
<div role="tabpanel" class="collapse" id="ans_22">
<p>Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.</p>
</div>
</li>
<li class="panel"> <a href="#ans_23" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_23">What is https://?</a>
<div role="tabpanel" class="collapse" id="ans_23">
<p>While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.</p>
</div>
</li>
<li class="panel"> <a href="#ans_24" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_24">Please explain the safety of My TRSRetire on the Internet in greater detail.</a>
<div role="tabpanel" class="collapse" id="ans_24">
<p>Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.</p>
<p>All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.</p>
<p>Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.</p>
<p>My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.</p>
<p>Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.</p>
</div>
</li>
<li class="panel"> <a href="#ans_25" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_25">Why is it important to use the Sign Out button to exit your account?</a>
<div role="tabpanel" class="collapse" id="ans_25">
<p>Using the Sign Out button to exit will ensure the confidentially of your account.</p>
</div>
</li>
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<div role="tabpanel" class="tab-pane panel__glossary" id="glossary_tab">
<p> This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.</p>
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<li><a href="#gloss_a" role="navigation" class="navbar-btn js-gloss-scroll">A</a></li>
<li><a href="#gloss_b" role="navigation" class="navbar-btn js-gloss-scroll">B</a></li>
<li><a href="#gloss_c" role="navigation" class="navbar-btn js-gloss-scroll">C</a></li>
<li><a href="#gloss_d" role="navigation" class="navbar-btn js-gloss-scroll">D</a></li>
<li><a href="#gloss_e" role="navigation" class="navbar-btn js-gloss-scroll">E</a></li>
<li><a href="#gloss_f" role="navigation" class="navbar-btn js-gloss-scroll">F</a></li>
<li><a href="#gloss_g" role="navigation" class="navbar-btn js-gloss-scroll">G</a></li>
<li><a href="#gloss_h" role="navigation" class="navbar-btn js-gloss-scroll">H</a></li>
<li><a href="#gloss_i" role="navigation" class="navbar-btn js-gloss-scroll">I</a></li>
<li><a href="#gloss_j" role="navigation" class="navbar-btn js-gloss-scroll">J</a></li>
<li><a href="#gloss_k" role="navigation" class="navbar-btn js-gloss-scroll">K</a></li>
<li><a href="#gloss_l" role="navigation" class="navbar-btn js-gloss-scroll">L</a></li>
<li><a href="#gloss_m" role="navigation" class="navbar-btn js-gloss-scroll">M</a></li>
<li><a href="#gloss_n" role="navigation" class="navbar-btn js-gloss-scroll">N</a></li>
<li><a href="#gloss_o" role="navigation" class="navbar-btn js-gloss-scroll">O</a></li>
<li><a href="#gloss_p" role="navigation" class="navbar-btn js-gloss-scroll">P</a></li>
<li><a href="#gloss_q" role="navigation" class="navbar-btn js-gloss-scroll">Q</a></li>
<li><a href="#gloss_r" role="navigation" class="navbar-btn js-gloss-scroll">R</a></li>
<li><a href="#gloss_s" role="navigation" class="navbar-btn js-gloss-scroll">S</a></li>
<li><a href="#gloss_t" role="navigation" class="navbar-btn js-gloss-scroll">T</a></li>
<li><a href="#gloss_u" role="navigation" class="navbar-btn js-gloss-scroll">U</a></li>
<li><a href="#gloss_v" role="navigation" class="navbar-btn js-gloss-scroll">V</a></li>
<li><a href="#gloss_w" role="navigation" class="navbar-btn js-gloss-scroll">W</a></li>
<li><a href="#gloss_x" role="navigation" class="navbar-btn js-gloss-scroll">X</a></li>
<li><a href="#gloss_y" role="navigation" class="navbar-btn js-gloss-scroll">Y</a></li>
<li><a href="#gloss_z" role="navigation" class="navbar-btn js-gloss-scroll">Z</a></li>
<li><a href="#gloss_num" role="navigation" class="navbar-btn js-gloss-scroll">#</a></li>
</ul>
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</nav>
<dl>
<dt id="gloss_a">A</dt>
<dt><dfn>(Future) Allocations</dfn></dt>
<dd>To distribute a percentage of money to one or more funds.</dd>
<dt id="gloss_b">B</dt>
<dt><dfn>Back End Load</dfn></dt>
<dd>A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.</dd>
<dt><dfn>Bear Market</dfn></dt>
<dd>A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.</dd>
<dt><dfn>Benefits Administration</dfn></dt>
<dd>The implementation and coordination of an employee benefits plan.</dd>
<dt id="gloss_c">C <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Capital Gain</dfn></dt>
<dd>The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.</dd>
<dt><dfn>Closing Price</dfn></dt>
<dd>The price of the last transaction for a given security at the end of a given trading session.</dd>
<dt><dfn>Confirmation</dfn></dt>
<dd>A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).</dd>
<dt><dfn>Contribution Types</dfn></dt>
<dd>The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.</dd>
<dt><dfn>Contributions (Saving Rate)</dfn></dt>
<dd>A portion of an employee / participant's current salary that is invested in a retirement plan.</dd>
<dt id="gloss_d">D</dt>
<dt><dfn>Defined Contribution Plan</dfn></dt>
<dd>A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.</dd>
<dt><dfn>Defined Benefit Plan</dfn></dt>
<dd>A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.</dd>
<dt><dfn>Diversification</dfn></dt>
<dd>Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.</dd>
<dt id="gloss_e">E</dt>
<dt><dfn>Employee Stock Ownership Plan</dfn></dt>
<dd>A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.</dd>
<dt id="gloss_f">F <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Fiduciary</dfn></dt>
<dd>An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.</dd>
<dt><dfn>Front-End Load</dfn></dt>
<dd>A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.</dd>
<dt id="gloss_g">G</dt>
<dt><dfn>General Obligation Bond</dfn></dt>
<dd>A municipal bond secured by the taxing and borrowing power of the municipality issuing it.</dd>
<dt><dfn><abbr>GIC</abbr></dfn></dt>
<dd>Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.</dd>
<dt id="gloss_h">H</dt>
<dt><dfn>High-Grade Bond</dfn></dt>
<dd>A bond with a rating of AAA or AA, the two highest ratings.</dd>
<dt><dfn>Hedge Fund</dfn></dt>
<dd>A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).</dd>
<dt id="gloss_i">I <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>IRA</abbr></dfn></dt>
<dd>Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.</dd>
<dt><dfn>Investment Mix</dfn></dt>
<dd>The combination of all the funds in your investment portfolio.</dd>
<dt id="gloss_j">J</dt>
<dt><dfn>January Effect</dfn></dt>
<dd>Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.</dd>
<dt><dfn>Joint Life Annuity</dfn></dt>
<dd>An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.</dd>
<dt><dfn>Junk Bond</dfn></dt>
<dd>A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.</dd>
<dt id="gloss_k">K</dt>
<dt><dfn>Kappa</dfn></dt>
<dd>A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.</dd>
<dt><dfn>Keogh Plan</dfn></dt>
<dd>A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.</dd>
<dt><dfn>Key Person Insurance</dfn></dt>
<dd>Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.</dd>
<dt><dfn>Krugerrand</dfn></dt>
<dd>Gold coin minted by the Republic of South Africa.</dd>
<dt id="gloss_l">L <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Loan Note</dfn></dt>
<dd>A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.</dd>
<dt><dfn>Loan Schedule</dfn></dt>
<dd>A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.</dd>
<dt id="gloss_m">M</dt>
<dt><dfn>Matching Funds</dfn></dt>
<dd>A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.</dd>
<dt><dfn>Money Market Fund</dfn></dt>
<dd>A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.</dd>
<dt><dfn>Mutual Funds</dfn></dt>
<dd>Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.</dd>
<dt id="gloss_n">N</dt>
<dt><dfn>Nasdaq Composite Index</dfn></dt>
<dd>A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.</dd>
<dt><dfn>New York Stock Exchange (NYSE)</dfn></dt>
<dd>The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.</dd>
<dt id="gloss_o">O <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Obligation Bond</dfn></dt>
<dd>Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.</dd>
<dt><dfn>Offering</dfn></dt>
<dd>The making available of a new securities to the public through an underwriting. Also called public offering.</dd>
<dt><dfn>Online Trading</dfn></dt>
<dd>The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.</dd>
<dt><dfn>Option</dfn></dt>
<dd>The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.</dd>
<dt id="gloss_p">P</dt>
<dt><dfn><abbr>PCRA</abbr></dfn></dt>
<dd>(Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.</dd>
<dt><dfn>Pending Transfer</dfn></dt>
<dd>A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.</dd>
<dt id="gloss_q">Q</dt>
<dt><dfn>Qualified Retirement Plan</dfn></dt>
<dd>A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.</dd>
<dt><dfn>Quarterly Report</dfn></dt>
<dd>Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.</dd>
<dt id="gloss_r">R <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Rate of Return</dfn></dt>
<dd>The rate of return on an investment, expressed as a percent of the total amount invested.</dd>
<dt><dfn>Rebalance (Investment Mix)</dfn></dt>
<dd>The process of changing your current investment mix to a new Investment Mix.</dd>
<dt><dfn>Rollover</dfn></dt>
<dd>A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.</dd>
<dt id="gloss_s">S</dt>
<dt><dfn>Savings Bond</dfn></dt>
<dd>A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.</dd>
<dt><dfn>Sector Fund</dfn></dt>
<dd>A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.</dd>
<dt><dfn>Strategic Allocation Fund (Multi asset class)</dfn></dt>
<dd>A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.</dd>
<dt id="gloss_t">T</dt>
<dt><dfn>Tender Offer</dfn></dt>
<dd>A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.</dd>
<dt><dfn>Time Horizon</dfn></dt>
<dd>The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.</dd>
<dt><dfn>Transfer</dfn></dt>
<dd>A function that moves account balances between various funds.</dd>
<dt><dfn>Transreferance Number</dfn></dt>
<dd>A number assigned to each transaction, consisting of a current date and a sequential number within that date.</dd>
<dt id="gloss_u">U <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Undervalued</dfn></dt>
<dd>Something whose price is below its perceived value.</dd>
<dt><dfn>Unit Value (NAV)</dfn></dt>
<dd>The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.</dd>
<dt><dfn>Unrealized Loss</dfn></dt>
<dd>Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.</dd>
<dt><dfn>U.S. Treasury Securities</dfn></dt>
<dd>Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.</dd>
<dt id="gloss_v">V</dt>
<dt><dfn>Value Fund</dfn></dt>
<dd>A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).</dd>
<dt><dfn>Vesting</dfn></dt>
<dd>Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.</dd>
<dt id="gloss_w">W</dt>
<dt><dfn>Weak Dollar</dfn></dt>
<dd>Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.</dd>
<dt><dfn>Windfall</dfn></dt>
<dd>Money received which was not expected and not a direct result of something the recipient did.</dd>
<dt><dfn>World Bank</dfn></dt>
<dd>An organization whose focus is on foreign exchange reserves and the balance of trade.</dd>
<dt id="gloss_x">X <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>X</abbr> or <abbr>XD</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.</dd>
<dt><dfn><abbr>XR</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.</dd>
<dt><dfn><abbr>XW</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is ex-warrants.</dd>
<dt id="gloss_y">Y</dt>
<dt><dfn>Yield to Maturity</dfn></dt>
<dd>Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.</dd>
<dt><dfn>Yankee Bond Market</dfn></dt>
<dd>Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.</dd>
<dt id="gloss_z">Z </dt>
<dt><dfn>Zero-Coupon Bond</dfn></dt>
<dd>A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.</dd>
<dt><dfn>Zero-Coupon Convertible</dfn></dt>
<dd>A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.</dd>
<dt id="gloss_num"># <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>401(k) Plan</dfn></dt>
<dd>A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.</dd>
<dt><dfn>403(b) Plan</dfn></dt>
<dd>A defined contribution plan established by certain tax exempt organizations and public schools for their employees.</dd>
<dt><dfn>457 Plan</dfn></dt>
<dd>A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.</dd>
</dl>
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Last login: 10/25/2016 12:28 p.m. CST
My Transamerica Products
RETIREMENT PLANS
| Plan Name | Plan Number | Plan Balance | |
|---|---|---|---|
| EFG 401 (k) Even Longer Line 2 | QA99999 00001 | $200,000.20 | Access this planDETAILS |
| Transamerica and Aegon Compliance Employees 401(k) | QA99999 00001 | $200,000.20 | Access this plan |
| Total DC Balance | $400,000.20 |
| Employer/Provider | Plan Number | Plan Balance | |
|---|---|---|---|
| EFG 401 (k) Even Longer Line 2 | QA99999 00001 | $200,000.20 | Access this plan |
| Transamerica and Aegon Compliance Employees 401(k) | QA99999 00001 | $200,000.20 | Access this plan |
| Total DC Balance | $400,000.20 |
* Accounts reported on a gross basis will be reduced by any outstanding or defaulted loan balances you may have before they are included in your OnTrack® total for estimating your retirement income and outlook.
| Employer/Provider | Plan Number | Plan Balance | |
|---|---|---|---|
| Lincoln-APS-Trac Covenant Med. Ctr. Inc D/B/A Covenant Healthcare | L4930818#38-3369438 | As of 02/12/2016 $22,287.53 | Access this plan |
| Total Net Balance | $22,287.53 |
| Plan Name | Plan Number | Plan Balance | |
|---|---|---|---|
| Nintendo of America, Inc. DB Ret. Plan | GQ71972XL DB1 | Plan Balance $3,457,707.81 | Access this plan |
| Trinithy Health Pension Plan | Tape | Select this plan for your estimated benefit. | Access this plan |
| Vectren Corp Combined Non-Bargaining Retirement Plan | CT73028LG DB1 | Plan Balance $303,869.19 Monthly Benefit $52,626.92 |
Access this plan |
| Tate and Lyle Salaried Pension Plan | CT71888 DB1 | Monthly Benefit $263.30 | Access this plan |
| Total Benefits: | Plan Balances $3,761,577.00 Monthly Benefit $52,890.22 |
INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)
| Transamerica Traditional IRA | |||
|---|---|---|---|
IRA Account Number QA1234567 |
IRA Balance As of 02/12/2016 $100,000,000.00 |
Access this plan |
MUTUAL FUNDS
| Account Number ABC | |||
|---|---|---|---|
Account Type [ABCDEF] |
Account Total As of 02/12/2016 $100,000,000.00 |
ANNUITIES
| Policy Number 1234567890 | |||
|---|---|---|---|
Product ABC Product Payout Amount $100,000.00 |
Annuitant Name John Smith Payment Sequence Monthly |
Status Active |
| Policy Number 1000000075 | |||
|---|---|---|---|
Product XYZ Product Current Value As of 02/12/2016 $100,000,000.00 |
Annuitant Name John Smith |
Status Active |
| Policy Number 9999988765 | |||
|---|---|---|---|
Product QRS Product |
Annuitant Name John Smith |
Status As of 09/10/2015 Terminated |
INSURANCE
| Certificate / Policy Number 1234567890 | |||
|---|---|---|---|
Product Type [Product Type Name] |
Insured Name Steve Smith |
Status Active |
Face Amount As of 02/12/2016 $100,000,000.00 |
| Certificate / Policy Number 1000000045 | |||
|---|---|---|---|
Product Type [Product Type Name] |
Insured Name Steve Smith |
Status As of 09/10/2015 Terminated |
| Certificate / Policy Number 1234567890 | |||
|---|---|---|---|
Product Type [Product Type Name] |
Insured Name Steve Smith |
Status Active |
Face Amount As of 02/12/2016 $100,000,000.00 |
| Certificate / Policy Number 1234567890 | |||
|---|---|---|---|
Product Type [Product Type Name] |
Insured Name Steve Smith |
Status Active |
Face Amount As of 02/12/2016 $100,000,000.00 |
Defined Contribution
EFG 401(k) Even Longer Line 2
Plan Number
Plan Balance
Transamerica and Aegon Compliance Employee 401(k)
Plan Number
Plan Balance
Related Defined
Contribution Plans
North Shore-LIJ Health System/Provider: LINCOLN - PENFACTS
Plan Number
Plan Balance
EFG 401(k) Even Longer Line 2
Plan Number
Plan Balance
IRA Account Number
IRA Balance
Account Type
Account Total
Product
Annuitant Name
Status
Payout Amount
Payout Sequence
Life
Product Type
Insured Name
Status
Payout Amount
Payout Sequence
| Contribution Type | Balance |
|---|---|
| Employer Deferral Cash Value | $2,266.26 |
| Employee Cash Value | $835.53 |
| Total: | $3,101.79 |
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My TRSRetire has been optimized to work best in Microsoft Internet Explorer (version 8.0 or higher), as well as Google Chrome, Mozilla Firefox, and Apple Safari. To check the current version of Internet Explorer, select HELP in your browser menu, then choose ABOUT INTERNET EXPLORER. You can download a free copy of the latest version of Microsoft Internet Explorer, Firefox, Safari or Chrome by clicking on the appropriate button below.
Additionally, this website works best with a minimum version of Adobe Flash Player 9 and a browser with JavaScript enabled.
- If I am going to dial into the Internet, how do I disable call waiting?
Insert *70 in front of the telephone number in the phone number dialogue box on your computer prior to dialing OR press *70 on your telephone and hang up the phone. Call waiting will be disabled for the next outgoing call made on the phone line. Call waiting will not be disabled for any further calls unless *70, is dialed again.
- Why do I have trouble signing in from work?
You may be behind a corporate firewall at work. The firewall serves to enforce security policy on your network. Often, administrators restrict encrypted information, like your Transamerica account information, from entering networks. Verify your restrictions by contacting your network administrator.
- Are there any special browser requirements to use My TRSRetire?
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Signing In
- I haven't established a Username/Password. How do I create one?
If you are a first time user select the GET STARTED button on the Sign In screen, it will take you to the Welcome Screen to create your Username and Password.
- Why does My TRSRetire offer the option to use Username or Social Security Number for Sign In?
Your personal information is very important to us. My TRSRetire offers the option of using either Username or Social Security Number for additional security.
- How can I change my Username?
Select the change Username option in the Manage Profile section. You will be able to create a new Username or use your Social Security Number as your Username.
- What if I forgot my Username?
Use your Social Security Number if you do not remember your Username.
- What if I forgot my password?
Select the 'Lost your ID or password?' link on the Sign In screen. You will be required to enter your social security or username to have your password hint emailed to you. If you still do not remember your password, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative.
- How do I change my password?
Select the 'Change Password' option in the Manage Profile section.
- Why doesn't my password work when I try to Sign In?
Make sure that you are entering your correct Username or Social Security Number and Password. If you are still unable to Sign In, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative or send us an email using Contact Us in Help.
Note:After three unsuccessful Sign In attempts, your account will be disabled.
- I haven't established a Username/Password. How do I create one?
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Service
- What services does My TRSRetire provide?
My TRSRetire provides you with detailed fund information, transaction history, historical account balances and unit values. You also have access to online investment fund transfers and investment fund allocation changes as long as your plan doesn't have any special fund restrictions.
- When is My TRSRetire available?
My TRSRetire is accessible 24 hours a day, 7 days a week.
- Can I print the information from My TRSRetire that appears on my monitor?
Yes, you can print any screen using the supported Internet browsers. In Internet Explorer or Netscape, select FILE in your browser menu and then select PRINT. Make sure that you have the right printer selected before sending the file to the printer. If there is a print button available on the page, use the print button.
Note:Some screens will require you to print landscape in order to view all of the information on the screen. To do this in Internet Explorer, simply select File and Page Setup, and select the Landscape option. If you are using Netscape, select File and Print and then the Properties button. Select the Landscape option and then OK.
- Why does the page cut off when I print?
Some pages may be too wide to print with your paper orientation set to PORTRAIT.
To change your paper orientation in Internet Explorer, select FILE on your browser menu and then select PAGE SETUP. In the lower left corner select LANDSCAPE and then select OK. When you are ready to print, select FILE on your browser menu then select PRINT. This setting should remain in effect until you change it.
To change your paper orientation in Netscape, wait until you are ready to print. When ready, select FILE on your browser menu and then select PRINT. After choosing your printer from the dropdown box, select PROPERTIES. Make sure that the PAPER tab is selected at the Select LANDSCAPE and then select OK. Select OK to print. This setting should remain in effect until you change it.
- When I select the Fund Hyperlinks, why do I get a blank screen?
If you double-click on the Fund Hyperlinks, the linked screen might be behind the current screen. All hyperlinks should be selected with a single mouse click.
- When I request changes to my account how can I ensure my request has been processed?
When you are requesting financial changes to your account, there will be a confirmation number displayed when the transaction is complete. Please make a note of the confirmation number.
- Whom do I contact for questions?
If you have any questions about this Web site please contact a Transamerica Retirement Solutions Representative at 800-755-5801 or send us an e-mail by using Contact Us in Help.
- How soon can I expect a response from using Contact Us?
Our standard response for most inquiries is within 24 hours.
- What services does My TRSRetire provide?
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Security
- How safe are Internet transmissions between my computer and My TRSRetire?
Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).
As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.
- What is 128-bit encryption or U.S. Security?
To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.
- What are digital certificates?
Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.
- What is Secure Socket Layer (SSL)?
Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.
- What is https://?
While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.
- Please explain the safety of My TRSRetire on the Internet in greater detail.
Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.
All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.
Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.
My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.
Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.
- Why is it important to use the Sign Out button to exit your account?
Using the Sign Out button to exit will ensure the confidentially of your account.
- How safe are Internet transmissions between my computer and My TRSRetire?
This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.
To see a word and its's definition, select a letter from the menu to go to that section of the alphabet.
- A
- (Future) Allocations
- To distribute a percentage of money to one or more funds.
- B
- Back End Load
- A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.
- Bear Market
- A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.
- Benefits Administration
- The implementation and coordination of an employee benefits plan.
- C back to top
- Capital Gain
- The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.
- Closing Price
- The price of the last transaction for a given security at the end of a given trading session.
- Confirmation
- A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).
- Contribution Types
- The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.
- Contributions (Saving Rate)
- A portion of an employee / participant's current salary that is invested in a retirement plan.
- D
- Defined Contribution Plan
- A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.
- Defined Benefit Plan
- A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.
- Diversification
- Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.
- E
- Employee Stock Ownership Plan
- A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.
- F back to top
- Fiduciary
- An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.
- Front-End Load
- A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.
- G
- General Obligation Bond
- A municipal bond secured by the taxing and borrowing power of the municipality issuing it.
- GIC
- Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.
- H
- High-Grade Bond
- A bond with a rating of AAA or AA, the two highest ratings.
- Hedge Fund
- A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).
- I back to top
- IRA
- Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.
- Investment Mix
- The combination of all the funds in your investment portfolio.
- J
- January Effect
- Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.
- Joint Life Annuity
- An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.
- Junk Bond
- A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.
- K
- Kappa
- A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.
- Keogh Plan
- A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.
- Key Person Insurance
- Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.
- Krugerrand
- Gold coin minted by the Republic of South Africa.
- L back to top
- Loan Note
- A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.
- Loan Schedule
- A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.
- M
- Matching Funds
- A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.
- Money Market Fund
- A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.
- Mutual Funds
- Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.
- N
- Nasdaq Composite Index
- A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.
- New York Stock Exchange (NYSE)
- The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.
- O back to top
- Obligation Bond
- Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.
- Offering
- The making available of a new securities to the public through an underwriting. Also called public offering.
- Online Trading
- The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.
- Option
- The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.
- P
- PCRA
- (Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.
- Pending Transfer
- A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.
- Q
- Qualified Retirement Plan
- A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.
- Quarterly Report
- Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.
- R back to top
- Rate of Return
- The rate of return on an investment, expressed as a percent of the total amount invested.
- Rebalance (Investment Mix)
- The process of changing your current investment mix to a new Investment Mix.
- Rollover
- A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.
- S
- Savings Bond
- A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.
- Sector Fund
- A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.
- Strategic Allocation Fund (Multi asset class)
- A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.
- T
- Tender Offer
- A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.
- Time Horizon
- The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.
- Transfer
- A function that moves account balances between various funds.
- Transreferance Number
- A number assigned to each transaction, consisting of a current date and a sequential number within that date.
- U back to top
- Undervalued
- Something whose price is below its perceived value.
- Unit Value (NAV)
- The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.
- Unrealized Loss
- Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.
- U.S. Treasury Securities
- Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.
- V
- Value Fund
- A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).
- Vesting
- Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.
- W
- Weak Dollar
- Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.
- Windfall
- Money received which was not expected and not a direct result of something the recipient did.
- World Bank
- An organization whose focus is on foreign exchange reserves and the balance of trade.
- X back to top
- X or XD
- A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.
- XR
- A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.
- XW
- A symbol used by newspapers to signify that a stock is ex-warrants.
- Y
- Yield to Maturity
- Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.
- Yankee Bond Market
- Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.
- Z
- Zero-Coupon Bond
- A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.
- Zero-Coupon Convertible
- A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.
- # back to top
- 401(k) Plan
- A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.
- 403(b) Plan
- A defined contribution plan established by certain tax exempt organizations and public schools for their employees.
- 457 Plan
- A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.
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<div class="print-info-line3">Date Printed: 04/10/16</div>
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<main class="row" id="main_content">
<p class="status-note text-right">Last login: 10/25/2016 12:28 p.m. CST</p>
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<h1>My Transamerica Products</h1>
<div class="desktopDashboard">
<h2 class="sso--h2">RETIREMENT PLANS</h2>
<hr class="sso--hr sso__black">
<div class="row">
<div class="col-xs-6 sso--section-title padding-bottom-md__desktop">Defined Contribution</div>
<div class="col-xs-6 text-right sso--section-title__date"><span class="sr-only"> Accounts </span> As of 01/01/2015</div>
</div>
<div class="visible-xs text-border-top padding-top padding-bottom-md"><strong>Total DC Balance:</strong> $400,000.20</div>
<div class="table--style2">
<table class="table tbl_fixed_width sso--tbl" aria-describedby="">
<thead>
<tr>
<th class="tbl-35col" scope="col" id="" >Plan Name</th>
<th class="" scope="col" id="" >Plan Number</th>
<th class="" scope="col" id="" >Plan Balance</th>
<th class="" scope="col" id="" ></th>
</tr>
</thead>
<tbody>
<tr class="tbl-td-noborder" >
<td class="" data-title="">EFG 401 (k) Even Longer Line 2 </td>
<td class="" data-title="Plan Number:">QA99999 00001</td>
<td class="" data-title="Plan Plan Balance:">$200,000.20</td>
<td class="tbl-mobile-hide text-right" data-title=""><a role='button' href='javascript:void(0);' class='sr-only'>Access this plan</a><a href='#' class='btn btn-primary btn-short' data-toggle='modal' data-target='#modal-1' >DETAILS</a></td>
</tr>
<tr class="tbl-td-noborder" >
<td class="" data-title="">Transamerica and Aegon Compliance Employees 401(k)</td>
<td class="" data-title="Plan Number:">QA99999 00001</td>
<td class="" data-title="Plan Plan Balance:">$200,000.20</td>
<td class="tbl-mobile-hide text-right" data-title=""><a role='button' href='javascript:void(0);' class='sr-only'>Access this plan</a><button type="button" class="btn btn-primary btn-short" aria-hidden="true">DETAILS</button></td>
</tr>
</tbody>
<tfoot>
<tr class="tbl-nobkg">
<th class="" scope="row" id="">Total DC Balance</th>
<th class="" scope="row" id="" aria-hidden="true"></th>
<th class="" scope="row" id="">$400,000.20</th>
<th class="" scope="row" id="" aria-hidden="true"></th>
</tr>
</tfoot>
</table>
</div>
<div class="sso--section-title padding-bottom-md__desktop">Related Defined Contribution Plans <span class="sso--question"> </span></div>
<div class="visible-xs text-border-top padding-top padding-bottom-md"><strong>Total DC Balance:</strong> $400,000.20</div>
<div class="table--style2">
<table class="table tbl_fixed_width" aria-describedby="">
<thead>
<tr>
<th class="tbl-35col" scope="col" id="" >Employer/Provider</th>
<th class="" scope="col" id="" >Plan Number</th>
<th class="" scope="col" id="" >Plan Balance</th>
<th class="" scope="col" id="" ></th>
</tr>
</thead>
<tbody>
<tr class="tbl-td-noborder" >
<td class="" data-title="">EFG 401 (k) Even Longer Line 2 </td>
<td class="" data-title="Plan Number:">QA99999 00001</td>
<td class="" data-title="Plan Plan Balance:">$200,000.20</td>
<td class="tbl-mobile-hide text-right" data-title=""><a role='button' href='javascript:void(0);' class='sr-only'>Access this plan</a><button type="button" class="btn btn-primary btn-short" aria-hidden="true">DETAILS</button></td>
</tr>
<tr class="tbl-td-noborder" >
<td class="" data-title="">Transamerica and Aegon Compliance Employees 401(k)</td>
<td class="" data-title="Plan Number:">QA99999 00001</td>
<td class="" data-title="Plan Plan Balance:">$200,000.20</td>
<td class="tbl-mobile-hide text-right" data-title=""><a role='button' href='javascript:void(0);' class='sr-only'>Access this plan</a><button type="button" class="btn btn-primary btn-short" aria-hidden="true">DETAILS</button></td>
</tr>
</tbody>
<tfoot>
<tr class="tbl-nobkg">
<th class="" scope="row" id="">Total DC Balance</th>
<th class="" scope="row" id="" aria-hidden="true"></th>
<th class="" scope="row" id="">$400,000.20</th>
<th class="" scope="row" id="" aria-hidden="true"></th>
</tr>
</tfoot>
</table>
</div>
<p class="footnote margin-bottom-lg"><sup>*</sup> Accounts reported on a gross basis will be reduced by any outstanding or defaulted loan balances you may have before
they are included in your <em>OnTrack</em><sup>®</sup> total for estimating your retirement income and outlook.</p>
<div class="table--style2">
<table class="table tbl_fixed_width sso--tbl" aria-describedby="">
<thead>
<tr>
<th class="tbl-35col" scope="col" id="" >Employer/Provider</th>
<th class="" scope="col" id="" >Plan Number</th>
<th class="" scope="col" id="" >Plan Balance</th>
<th class="" scope="col" id="" ></th>
</tr>
</thead>
<tbody>
<tr class="tbl-td-noborder" >
<td class="" data-title="">Lincoln-APS-Trac Covenant Med. Ctr. Inc D/B/A Covenant Healthcare</td>
<td class="" data-title="Plan Number:">L4930818#38-3369438</td>
<td class="" data-title="Plan Plan Balance:">As of 02/12/2016 $22,287.53</td>
<td class="tbl-mobile-hide text-right" data-title=""><a role='button' href='javascript:void(0);' class='sr-only'>Access this plan</a><button type="button" class="btn btn-primary btn-short" aria-hidden="true">DETAILS</button></td>
</tr>
</tbody>
<tfoot>
<tr class="tbl-nobkg">
<th class="" scope="row" id="">Total Net Balance</th>
<th class="" scope="row" id="" aria-hidden="true"></th>
<th class="" scope="row" id="">$22,287.53</th>
<th class="" scope="row" id="" aria-hidden="true"></th>
</tr>
</tfoot>
</table>
</div>
<div class="row">
<div class="col-xs-6 sso--section-title padding-bottom-md__desktop">Defined Benefit</div>
<div class="col-xs-6 text-right sso--section-title__date"><span class="sr-only"> Accounts </span> As of 01/01/2015</div>
</div>
<div class="visible-xs text-border-top padding-top padding-bottom-md"><strong>Total DC Balance:</strong> $400,000.20</div>
<div class="table--style2">
<table class="table tbl_fixed_width sso--tbl" aria-describedby="">
<thead>
<tr>
<th class="tbl-35col" scope="col" id="" >Plan Name</th>
<th class="" scope="col" id="" >Plan Number</th>
<th class="" scope="col" id="" >Plan Balance</th>
<th class="" scope="col" id="" ></th>
</tr>
</thead>
<tbody>
<tr class="tbl-td-noborder" >
<td class="" data-title="">Nintendo of America, Inc. DB Ret. Plan</td>
<td class="" data-title="Plan Number:">GQ71972XL DB1</td>
<td class="" data-title="Plan Plan Balance:">Plan Balance $3,457,707.81</td>
<td class="tbl-mobile-hide text-right" data-title=""><a role='button' href='javascript:void(0);' class='sr-only'>Access this plan</a><button type="button" class="btn btn-primary btn-short" aria-hidden="true">DETAILS</button></td>
</tr>
<tr class="tbl-td-noborder" >
<td class="" data-title="">Trinithy Health Pension Plan</td>
<td class="" data-title="Plan Number:">Tape</td>
<td class="" data-title="Plan Plan Balance:">Select this plan for your estimated benefit.</td>
<td class="tbl-mobile-hide text-right" data-title=""><a role='button' href='javascript:void(0);' class='sr-only'>Access this plan</a><button type="button" class="btn btn-primary btn-short" aria-hidden="true">DETAILS</button></td>
</tr>
<tr class="tbl-td-noborder" >
<td class="" data-title="">Vectren Corp Combined Non-Bargaining Retirement Plan</td>
<td class="" data-title="Plan Number:">CT73028LG DB1</td>
<td class="" data-title="Plan Plan Balance:">Plan Balance $303,869.19 <br><br> Monthly Benefit $52,626.92</td>
<td class="tbl-mobile-hide text-right" data-title=""><a role='button' href='javascript:void(0);' class='sr-only'>Access this plan</a><button type="button" class="btn btn-primary btn-short" aria-hidden="true">DETAILS</button></td>
</tr>
<tr class="tbl-td-noborder" >
<td class="" data-title="">Tate and Lyle Salaried Pension Plan</td>
<td class="" data-title="Plan Number:">CT71888 DB1</td>
<td class="" data-title="Plan Plan Balance:">Monthly Benefit $263.30</td>
<td class="tbl-mobile-hide text-right" data-title=""><a role='button' href='javascript:void(0);' class='sr-only'>Access this plan</a><button type="button" class="btn btn-primary btn-short" aria-hidden="true">DETAILS</button></td>
</tr>
</tbody>
<tfoot>
<tr class="tbl-nobkg">
<th class="" scope="row" id="">Total Benefits:</th>
<th class="" scope="row" id="" aria-hidden="true"></th>
<th class="" scope="row" id="">Plan Balances $3,761,577.00 <br><br> Monthly Benefit $52,890.22</th>
<th class="" scope="row" id="" aria-hidden="true"></th>
</tr>
</tfoot>
</table>
</div>
<h2 class="sso--h2">INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)</h2>
<hr class="sso--hr sso__black">
<div class="table--style2">
<table class="table tbl_fixed_width sso--tbl" aria-describedby="">
<thead>
<tr>
<th class="tbl-35col no-wrap" scope="col" id="" >Transamerica Traditional IRA</th>
<th class="" scope="col" id="" ></th>
<th class="" scope="col" id="" ></th>
<th class="" scope="col" id="" ></th>
</tr>
</thead>
<tbody>
<tr class="tbl-td-noborder" >
<td class="" data-title=""><div class='sso--font1'>IRA Account Number</div> <div class='sso--font2'>QA1234567</div></td>
<td class="" data-title="Plan Number:"><div class='sso--font1'>IRA Balance</div> <div class='sso--font3'>As of 02/12/2016</div> <div class='sso--font2'>$100,000,000.00</div></td>
<td class="" data-title="Plan Plan Balance:"></td>
<td class="tbl-mobile-hide text-right" data-title=""><a role='button' href='javascript:void(0);' class='sr-only'>Access this plan</a><button type="button" class="btn btn-primary btn-short" aria-hidden="true">DETAILS</button></td>
</tr>
</tbody>
</table>
</div>
<h2 class="sso--h2">MUTUAL FUNDS</h2>
<hr class="sso--hr sso__black">
<div class="table--style2">
<table class="table tbl_fixed_width sso--tbl" aria-describedby="">
<thead>
<tr>
<th class="tbl-35col no-wrap" scope="col" id="" >Account Number ABC</th>
<th class="" scope="col" id="" ></th>
<th class="" scope="col" id="" ></th>
<th class="" scope="col" id="" ></th>
</tr>
</thead>
<tbody>
<tr class="tbl-td-noborder" >
<td class="" data-title=""><div class='sso--font1'>Account Type </div> <div class='sso--font2'>[ABCDEF]</div></td>
<td class="" data-title="Plan Number:"><div class='sso--font1'>Account Total</div> <div class='sso--font3'>As of 02/12/2016</div> <div class='sso--font2'>$100,000,000.00</div></td>
<td class="" data-title="Plan Plan Balance:"></td>
<td class="tbl-mobile-hide" data-title=""></td>
</tr>
</tbody>
</table>
</div>
<h2 class="sso--h2">ANNUITIES</h2>
<hr class="sso--hr sso__black">
<div class="table--style2">
<table class="table tbl_fixed_width sso--tbl" aria-describedby="">
<thead>
<tr>
<th class="tbl-35col no-wrap" scope="col" id="" >Policy Number 1234567890</th>
<th class="" scope="col" id="" ></th>
<th class="" scope="col" id="" ></th>
<th class="" scope="col" id="" ></th>
</tr>
</thead>
<tbody>
<tr class="tbl-td-noborder" >
<td class="" data-title=""><div class='sso--font1'>Product</div> <div class='sso--font2'>ABC Product</div> <br> <div class='sso--font1'>Payout Amount</div> <div class='sso--font2'>$100,000.00</div></td>
<td class="" data-title="Plan Number:"><div class='sso--font1'>Annuitant Name</div> <div class='sso--font2'>John Smith</div> <br> <div class='sso--font1'>Payment Sequence</div> <div class='sso--font2'>Monthly</div></td>
<td class="" data-title="Plan Plan Balance:"><div class='sso--font1'>Status</div> <div class='sso--font2'>Active</div></td>
<td class="tbl-mobile-hide" data-title=""></td>
</tr>
</tbody>
</table>
</div>
<div class="table--style2">
<table class="table tbl_fixed_width sso--tbl" aria-describedby="">
<thead>
<tr>
<th class="tbl-35col no-wrap" scope="col" id="" >Policy Number 1000000075</th>
<th class="" scope="col" id="" ></th>
<th class="" scope="col" id="" ></th>
<th class="" scope="col" id="" ></th>
</tr>
</thead>
<tbody>
<tr class="tbl-td-noborder" >
<td class="" data-title=""><div class='sso--font1'>Product</div> <div class='sso--font2'>XYZ Product</div> <br> <div class='sso--font1'>Current Value</div> <div class='sso--font3'>As of 02/12/2016</div> <div class='sso--font2'>$100,000,000.00</div></td>
<td class="" data-title="Plan Number:"><div class='sso--font1'>Annuitant Name</div> <div class='sso--font2'>John Smith</div></td>
<td class="" data-title="Plan Plan Balance:"><div class='sso--font1'>Status</div> <div class='sso--font2'>Active</div></td>
<td class="tbl-mobile-hide" data-title=""></td>
</tr>
</tbody>
</table>
</div>
<div class="table--style2">
<table class="table tbl_fixed_width sso--tbl" aria-describedby="">
<thead>
<tr>
<th class="tbl-35col no-wrap" scope="col" id="" >Policy Number 9999988765</th>
<th class="" scope="col" id="" ></th>
<th class="" scope="col" id="" ></th>
<th class="" scope="col" id="" ></th>
</tr>
</thead>
<tbody>
<tr class="tbl-td-noborder" >
<td class="" data-title=""><div class='sso--font1'>Product</div> <div class='sso--font2'>QRS Product</div></td>
<td class="" data-title="Plan Number:"><div class='sso--font1'>Annuitant Name</div> <div class='sso--font2'>John Smith</div></td>
<td class="" data-title="Plan Plan Balance:"><div class='sso--font1'>Status</div><div class='sso--font3'>As of 09/10/2015</div><div class='sso--font2'>Terminated</div></td>
<td class="tbl-mobile-hide" data-title=""></td>
</tr>
</tbody>
</table>
</div>
<h2 class="sso--h2">INSURANCE</h2>
<hr class="sso--hr sso__black">
<div class="sso--section-title padding-bottom-md__desktop">Life</div>
<div class="table--style2">
<table class="table tbl_fixed_width sso--tbl" aria-describedby="">
<thead>
<tr>
<th class="tbl-35col no-wrap" scope="col" id="" >Certificate / Policy Number 1234567890</th>
<th class="" scope="col" id="" ></th>
<th class="" scope="col" id="" ></th>
<th class="" scope="col" id="" ></th>
</tr>
</thead>
<tbody>
<tr class="tbl-td-noborder" >
<td class="" data-title=""><div class='sso--font1'>Product Type</div> <div class='sso--font2'>[Product Type Name]</div></td>
<td class="" data-title="Plan Number:"><div class='sso--font1'>Insured Name</div> <div class='sso--font2'>Steve Smith</div></td>
<td class="" data-title="Plan Plan Balance:"><div class='sso--font1'>Status</div><div class='sso--font2'>Active</div></td>
<td class="tbl-mobile-hide " data-title=""><div class='sso--font1'>Face Amount</div><div class='sso--font3'>As of 02/12/2016</div><div class='sso--font2'>$100,000,000.00</div></td>
</tr>
</tbody>
</table>
</div>
<div class="table--style2">
<table class="table tbl_fixed_width sso--tbl" aria-describedby="">
<thead>
<tr>
<th class="tbl-35col no-wrap" scope="col" id="" >Certificate / Policy Number 1000000045</th>
<th class="" scope="col" id="" ></th>
<th class="" scope="col" id="" ></th>
<th class="" scope="col" id="" ></th>
</tr>
</thead>
<tbody>
<tr class="tbl-td-noborder" >
<td class="" data-title=""><div class='sso--font1'>Product Type</div> <div class='sso--font2'>[Product Type Name]</div></td>
<td class="" data-title="Plan Number:"><div class='sso--font1'>Insured Name</div> <div class='sso--font2'>Steve Smith</div></td>
<td class="" data-title="Plan Plan Balance:"><div class='sso--font1'>Status</div><div class='sso--font3'>As of 09/10/2015</div><div class='sso--font2'>Terminated</div></td>
<td class="tbl-mobile-hide " data-title=""></td>
</tr>
</tbody>
</table>
</div>
<div class="sso--section-title padding-bottom-md__desktop">Supplemental Health</div>
<div class="table--style2">
<table class="table tbl_fixed_width sso--tbl" aria-describedby="">
<thead>
<tr>
<th class="tbl-35col no-wrap" scope="col" id="" >Certificate / Policy Number 1234567890</th>
<th class="" scope="col" id="" ></th>
<th class="" scope="col" id="" ></th>
<th class="" scope="col" id="" ></th>
</tr>
</thead>
<tbody>
<tr class="tbl-td-noborder" >
<td class="" data-title=""><div class='sso--font1'>Product Type</div> <div class='sso--font2'>[Product Type Name]</div></td>
<td class="" data-title="Plan Number:"><div class='sso--font1'>Insured Name</div> <div class='sso--font2'>Steve Smith</div></td>
<td class="" data-title="Plan Plan Balance:"><div class='sso--font1'>Status</div><div class='sso--font2'>Active</div></td>
<td class="tbl-mobile-hide " data-title=""><div class='sso--font1'>Face Amount</div><div class='sso--font3'>As of 02/12/2016</div><div class='sso--font2'>$100,000,000.00</div></td>
</tr>
</tbody>
</table>
</div>
<div class="sso--section-title padding-bottom-md__desktop">Additional Products & Services</div>
<div class="table--style2">
<table class="table tbl_fixed_width sso--tbl" aria-describedby="">
<thead>
<tr>
<th class="tbl-35col no-wrap" scope="col" id="" >Certificate / Policy Number 1234567890</th>
<th class="" scope="col" id="" ></th>
<th class="" scope="col" id="" ></th>
<th class="" scope="col" id="" ></th>
</tr>
</thead>
<tbody>
<tr class="tbl-td-noborder" >
<td class="" data-title=""><div class='sso--font1'>Product Type</div> <div class='sso--font2'>[Product Type Name]</div></td>
<td class="" data-title="Plan Number:"><div class='sso--font1'>Insured Name</div> <div class='sso--font2'>Steve Smith</div></td>
<td class="" data-title="Plan Plan Balance:"><div class='sso--font1'>Status</div><div class='sso--font2'>Active</div></td>
<td class="tbl-mobile-hide " data-title=""><div class='sso--font1'>Face Amount</div><div class='sso--font3'>As of 02/12/2016</div><div class='sso--font2'>$100,000,000.00</div></td>
</tr>
</tbody>
</table>
</div>
</div>
<!--START MOBILE DASHBOARD-->
<div class="mobileDashboard row noprint">
<div class="panel-group sso--dashboard" id="myProducts">
<!--START PANEL GROUP-->
<div class="panel panel-default">
<div class="accordion-toggle panel-heading" data-toggle="collapse" data-parent="#myProducts" href="#panel_1" aria-expanded="true">
<div class="row">
<div class="col-xs-10 sso--accordion_title">RETIREMENT PLANS</div>
<div class="col-xs-2 text-right"><span class="glyphicon glyphicon-plus-sign" aria-hidden="true"></span></div>
</div>
</div>
<div id="panel_1" class="panel-collapse collapse in">
<div class="panel-body">
<!--START GROUP-->
<div class="row">
<div class="col-xs-12 text-center sso--headline">
<h3>Defined Contribution</h3>
</div>
</div>
<!--START PLAN-->
<div class="sso--plan">
<div class="row">
<div class="col-xs-12 sso--plan_headline">Plan Name:<br>
EFG 401(k) Even Longer Line 2</div>
</div>
<div class="row">
<div class="col-xs-6"><span class="sso--font1">QA99999 00001</span><br>
<span class="sso--font2">Plan Number</span></div>
<div class="col-xs-6 text-right"><span class="sso--font1">$200,000.20</span><br>
<span class="sso--font2">Plan Balance</span></div>
</div>
<div class="row">
<div class="col-xs-12 col-bold text-center">
<button type="button" class="btn btn-primary" data-toggle="modal" data-target="#modal-1">DETAILS</button>
</div>
</div>
</div>
<!--END PLAN-->
<!--START PLAN-->
<div class="sso--plan">
<div class="row">
<div class="col-xs-12 sso--plan_headline">Plan Name:<br>
Transamerica and Aegon Compliance Employee 401(k)</div>
</div>
<div class="row">
<div class="col-xs-6"><span class="sso--font1">QA99999 00001</span><br>
<span class="sso--font2">Plan Number</span></div>
<div class="col-xs-6 text-right"><span class="sso--font1">$200,000.20</span><br>
<span class="sso--font2">Plan Balance</span></div>
</div>
<div class="row">
<div class="col-xs-12 col-bold text-center">
<button type="button" class="btn btn-primary" data-toggle="modal" data-target="#modal-1">DETAILS</button>
</div>
</div>
</div>
<!--END PLAN-->
<!--START TOTALS-->
<div class="row sso--totals">
<div class="col-xs-6 text-left">Total DC Balance:</div>
<div class="col-xs-6 text-right">$400,000.40</div>
</div>
<!--END TOTALS-->
<!--END GROUP-->
<!--START GROUP-->
<div class="row">
<div class="col-xs-12 text-center sso--headline">
<h3>Related Defined<br>
Contribution Plans</h3>
</div>
</div>
<!--START PLAN-->
<div class="sso--plan">
<div class="row">
<div class="col-xs-12 sso--plan_headline">Employee/Provider:<br>
North Shore-LIJ Health System/Provider: LINCOLN - PENFACTS</div>
</div>
<div class="row">
<div class="col-xs-6"><span class="sso--font1">L44574F5#11-2241326</span><br>
<span class="sso--font2">Plan Number</span></div>
<div class="col-xs-6 text-right"><span class="sso--font3">As of 02/12/2016</span> <span class="sso--font1">$200,000.20</span><br>
<span class="sso--font2">Plan Balance</span></div>
</div>
<div class="row">
<div class="col-xs-12 col-bold text-center">
<button type="button" class="btn btn-primary" data-toggle="modal" data-target="#modal-1">DETAILS</button>
</div>
</div>
</div>
<!--END PLAN-->
<!--START PLAN-->
<div class="sso--plan">
<div class="row">
<div class="col-xs-12 sso--plan_headline">Plan Name:<br>
EFG 401(k) Even Longer Line 2</div>
</div>
<div class="row">
<div class="col-xs-6"><span class="sso--font1">QA99999 00001</span><br>
<span class="sso--font2">Plan Number</span></div>
<div class="col-xs-6 text-right"><span class="sso--font1">$200,000.20</span><br>
<span class="sso--font2">Plan Balance</span></div>
</div>
<div class="row">
<div class="col-xs-12 col-bold text-center">
<button type="button" class="btn btn-primary" data-toggle="modal" data-target="#modal-1">DETAILS</button>
</div>
</div>
</div>
<!--END PLAN-->
<!--START TOTALS-->
<div class="row sso--totals">
<div class="col-xs-6 text-left">Total DC Balance:</div>
<div class="col-xs-6 text-right">$400,000.40</div>
</div>
<div class="row">
<div class="col-xs-12 sso--footnotes">*Accounts reported on a gross basis will be reduced by any outstanding or defaulted loan balances you may have before they are included in your <em>OnTrack</em><sup>®</sup> total for estimating your retirement income and outlook.</div>
</div>
<!--END TOTALS-->
<!--END GROUP-->
</div>
</div>
</div>
<!--END PANEL GROUP-->
<!--START PANEL GROUP-->
<div class="panel panel-default">
<div class="accordion-toggle panel-heading" data-toggle="collapse" data-parent="#myProducts" href="#panel_2" aria-expanded="">
<div class="row">
<div class="col-xs-10 sso--accordion_title">IRAs</div>
<div class="col-xs-2 text-right"><span class="glyphicon glyphicon-plus-sign" aria-hidden="true"></span></div>
</div>
</div>
<div id="panel_2" class="panel-collapse collapse">
<div class="panel-body">
<!--START GROUP-->
<!--START PLAN-->
<div class="sso--plan">
<div class="row">
<div class="col-xs-12 sso--plan_headline">Transamerica Traditional IRA</div>
</div>
<div class="row">
<div class="col-xs-6"><span class="sso--font1">QA99999 00001</span><br>
<span class="sso--font2">IRA Account Number</span></div>
<div class="col-xs-6 text-right"><span class="sso--font3">As of 02/12/2016 </span><span class="sso--font1">$100,000,000.00 </span><br>
<span class="sso--font2">IRA Balance</span></div>
</div>
<div class="row">
<div class="col-xs-12 col-bold text-center">
<button type="button" class="btn btn-primary" data-toggle="modal" data-target="#modal-1">DETAILS</button>
</div>
</div>
</div>
<!--END PLAN-->
</div>
</div>
</div>
<!--END PANEL GROUP-->
<!--START PANEL GROUP-->
<div class="panel panel-default">
<div class="accordion-toggle panel-heading" data-toggle="collapse" data-parent="#myProducts" href="#panel_3" aria-expanded="">
<div class="row">
<div class="col-xs-10 sso--accordion_title">MUTUAL FUNDS</div>
<div class="col-xs-2 text-right"><span class="glyphicon glyphicon-plus-sign" aria-hidden="true"></span></div>
</div>
</div>
<div id="panel_3" class="panel-collapse collapse">
<div class="panel-body">
<!--START GROUP-->
<!--START PLAN-->
<div class="sso--plan">
<div class="row">
<div class="col-xs-12 sso--plan_headline">Account Number ABC</div>
</div>
<div class="row">
<div class="col-xs-6"><span class="sso--font1">[ABCDEF]</span><br>
<span class="sso--font2">Account Type</span></div>
<div class="col-xs-6 text-right"><span class="sso--font3">As of 02/12/2016 </span><span class="sso--font1">$100,000,000.00 </span><br>
<span class="sso--font2">Account Total</span></div>
</div>
<div class="row">
<div class="col-xs-12 col-bold text-center">
<button type="button" class="btn btn-primary" data-toggle="modal" data-target="#modal-1">DETAILS</button>
</div>
</div>
</div>
<!--END PLAN-->
</div>
</div>
</div>
<!--END PANEL GROUP-->
<!--START PANEL GROUP-->
<div class="panel panel-default">
<div class="accordion-toggle panel-heading" data-toggle="collapse" data-parent="#myProducts" href="#panel_4" aria-expanded="">
<div class="row">
<div class="col-xs-10 sso--accordion_title">ANNUITIES</div>
<div class="col-xs-2 text-right"><span class="glyphicon glyphicon-plus-sign" aria-hidden="true"></span></div>
</div>
</div>
<div id="panel_4" class="panel-collapse collapse">
<div class="panel-body">
<!--START GROUP-->
<!--START PLAN-->
<div class="sso--plan">
<div class="row">
<div class="col-xs-12 sso--plan_headline">Policy Number 1234567890</div>
</div>
<div class="row">
<div class="col-xs-6"><span class="sso--font1">ABC Product</span><br>
<span class="sso--font2">Product</span></div>
<div class="col-xs-6 text-right"><span class="sso--font1">John Smith </span><br>
<span class="sso--font2">Annuitant Name</span></div>
</div>
<div class="row">
<div class="col-xs-6"><span class="sso--font1">Active</span><br>
<span class="sso--font2">Status</span></div>
<div class="col-xs-6 text-right"><span class="sso--font1">$100,000.00 </span><br>
<span class="sso--font2">Payout Amount</span></div>
</div>
<div class="row">
<div class="col-xs-6"></div>
<div class="col-xs-6 text-right"><span class="sso--font1">Monthly </span><br>
<span class="sso--font2">Payout Sequence</span></div>
</div>
<div class="row">
<div class="col-xs-12 col-bold text-center">
<button type="button" class="btn btn-primary" data-toggle="modal" data-target="#modal-1">DETAILS</button>
</div>
</div>
</div>
<!--END PLAN-->
</div>
</div>
</div>
<!--END PANEL GROUP-->
<!--START PANEL GROUP-->
<div class="panel panel-default">
<div class="accordion-toggle panel-heading" data-toggle="collapse" data-parent="#myProducts" href="#panel_5" aria-expanded="">
<div class="row">
<div class="col-xs-10 sso--accordion_title">INSURANCE</div>
<div class="col-xs-2 text-right"><span class="glyphicon glyphicon-plus-sign" aria-hidden="true"></span></div>
</div>
</div>
<div id="panel_5" class="panel-collapse collapse">
<div class="panel-body">
<!--START GROUP-->
<div class="row">
<div class="col-xs-12 text-center sso--headline">
<h3>Life</h3>
</div>
</div>
<!--START PLAN-->
<div class="sso--plan">
<div class="row">
<div class="col-xs-12 sso--plan_headline">Certificate / Policy Number 1234567890</div>
</div>
<div class="row">
<div class="col-xs-6"><span class="sso--font1">[Product Type Name] </span><br>
<span class="sso--font2">Product Type</span></div>
<div class="col-xs-6 text-right"><span class="sso--font1">Steve Smith </span><br>
<span class="sso--font2">Insured Name</span></div>
</div>
<div class="row">
<div class="col-xs-6"><span class="sso--font1">Active</span><br>
<span class="sso--font2">Status</span></div>
<div class="col-xs-6 text-right"><span class="sso--font3">As of 02/12/2016 </span><span class="sso--font1">$100,000.00 </span><br>
<span class="sso--font2">Payout Amount</span></div>
</div>
<div class="row">
<div class="col-xs-6"></div>
<div class="col-xs-6 text-right"><span class="sso--font1">Monthly </span><br>
<span class="sso--font2">Payout Sequence</span></div>
</div>
</div>
<!--END PLAN-->
</div>
</div>
</div>
<!--END PANEL GROUP-->
</div>
</div>
<!--END MOBILE DASHBOARD-->
<div class="modal fade" id="modal-1" tabindex="-1" role="dialog" aria-labelledby="">
<div class="modal-dialog " role="document"><!-- optional modal-lg or modal-sm can be added here -->
<div class="modal-content">
<div class="modal-header no-border">
<div class="text-right"><a data-dismiss="modal" href="javascript:void(0);"><img src="../../images/close_modal.png" width="17" height="16" alt=""/></a></div>
<h3 class="modal-title sso--modal__title" id="modal_title">RELATED ACCOUNTS DETAILS</h3>
</div>
<div class="modal-body">
<div class="sso--modal__list">Employer: North Shore - LIJ Health System</div>
<div class="sso--modal__list">Provider: Lincoln - Penfacts</div>
<div class="sso--modal__list">Account Number: L44574F5#11-2241326</div>
<div class="sso--modal__list">Account Type: 403(b)</div>
<div class="row margin-top-lg">
<div class="col-xs-6 sso--section-title padding-bottom-md__desktop">Balances</div>
<div class="col-xs-6 text-right sso--section-title__date"><span class="sr-only"> Accounts </span>As of 02/12/2016</div>
</div>
<div class="visible-xs text-border-top padding-top padding-bottom-md"><strong>Total DC Balance:</strong> $400,000.20</div>
<div class="table--style2">
<table class="table table-inline" aria-describedby="">
<thead>
<tr>
<th class="no-wrap" scope="col" id="" >Contribution Type</th>
<th class="text-right" scope="col" id="" >Balance</th>
</tr>
</thead>
<tbody>
<tr class="tbl-td-noborder" >
<td class="" data-title="">Employer Deferral Cash Value</td>
<td class="text-right" data-title="Plan Number:">$2,266.26</td>
</tr>
<tr class="tbl-td-noborder" >
<td class="" data-title="">Employee Cash Value</td>
<td class="text-right" data-title="Plan Number:">$835.53</td>
</tr>
</tbody>
<tfoot>
<tr class="tbl-nobkg">
<th class="" scope="row" id="">Total:</th>
<th class="text-right" scope="row" id="">$3,101.79</th>
</tr>
</tfoot>
</table>
</div>
</div>
<div class="sso--modal__footer"> <a type="button" class="btn btn-primary" data-dismiss="modal" href="javascript:void(0);">CLOSE</a></div>
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<p>Insert *70 in front of the telephone number in the phone number dialogue box on your computer prior to dialing OR press *70 on your telephone and hang up the phone. Call waiting will be disabled for the next outgoing call made on the phone line. Call waiting will not be disabled for any further calls unless *70, is dialed again.</p>
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<li class="panel"> <a href="#ans_5" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_5">Why does My TRSRetire offer the option to use Username or Social Security Number for Sign In?</a>
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<p>Your personal information is very important to us. My TRSRetire offers the option of using either Username or Social Security Number for additional security.</p>
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<li class="panel"> <a href="#ans_9" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_9">How can I change my Username?</a>
<div role="tabpanel" class="collapse" id="ans_9">
<p>Select the change Username option in the Manage Profile section. You will be able to create a new Username or use your Social Security Number as your Username.</p>
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<li class="panel"> <a href="#ans_10" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_10">What if I forgot my Username?</a>
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<p>Use your Social Security Number if you do not remember your Username.</p>
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</li>
<li class="panel"> <a href="#ans_6" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_6">What if I forgot my password?</a>
<div role="tabpanel" class="collapse" id="ans_6">
<p>Select the 'Lost your ID or password?' link on the Sign In screen. You will be required to enter your social security or username to have your password hint emailed to you. If you still do not remember your password, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative.</p>
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<li class="panel"> <a href="#ans_7" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_7">How do I change my password?</a>
<div role="tabpanel" class="collapse" id="ans_7">
<p>Select the 'Change Password' option in the Manage Profile section.</p>
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</li>
<li class="panel"> <a href="#ans_8" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_8">Why doesn't my password work when I try to Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_8">
<p>Make sure that you are entering your correct Username or Social Security Number and Password. If you are still unable to Sign In, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative or send us an email using Contact Us in Help.</p>
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<div class="alert-message"> <strong>Note:</strong>
<p>After three unsuccessful Sign In attempts, your account will be disabled.</p>
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<li class="js-faq-group">
<h3>Service</h3>
<ol class="number-list" id="faq_list_3">
<li class="panel"> <a href="#ans_11" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_11">What services does My TRSRetire provide?</a>
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<p>My TRSRetire provides you with detailed fund information, transaction history, historical account balances and unit values. You also have access to online investment fund transfers and investment fund allocation changes as long as your plan doesn't have any special fund restrictions.</p>
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</li>
<li class="panel"> <a href="#ans_12" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_12">When is My TRSRetire available?</a>
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<p>My TRSRetire is accessible 24 hours a day, 7 days a week.</p>
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</li>
<li class="panel"> <a href="#ans_13" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_13">Can I print the information from My TRSRetire that appears on my monitor?</a>
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<p>Yes, you can print any screen using the supported Internet browsers. In Internet Explorer or Netscape, select FILE in your browser menu and then select PRINT. Make sure that you have the right printer selected before sending the file to the printer. If there is a print button available on the page, use the print button.</p>
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<div class="alert-icon"><span class="trs-icons-alert-info alert-icon-size" role="presentation"></span></div>
<div class="alert-message"> <strong>Note:</strong>
<p>Some screens will require you to print landscape in order to view all of the information on the screen. To do this in Internet Explorer, simply select File and Page Setup, and select the Landscape option. If you are using Netscape, select File and Print and then the Properties button. Select the Landscape option and then OK.</p>
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</li>
<li class="panel"> <a href="#ans_14" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_14">Why does the page cut off when I print?</a>
<div role="tabpanel" class="collapse" id="ans_14">
<p>Some pages may be too wide to print with your paper orientation set to PORTRAIT.</p>
<p>To change your paper orientation in Internet Explorer, select FILE on your browser menu and then select PAGE SETUP. In the lower left corner select LANDSCAPE and then select OK. When you are ready to print, select FILE on your browser menu then select PRINT. This setting should remain in effect until you change it.</p>
<p>To change your paper orientation in Netscape, wait until you are ready to print. When ready, select FILE on your browser menu and then select PRINT. After choosing your printer from the dropdown box, select PROPERTIES. Make sure that the PAPER tab is selected at the Select LANDSCAPE and then select OK. Select OK to print. This setting should remain in effect until you change it.</p>
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</li>
<li class="panel"> <a href="#ans_15" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_15">When I select the Fund Hyperlinks, why do I get a blank screen?</a>
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<p>If you double-click on the Fund Hyperlinks, the linked screen might be behind the current screen. All hyperlinks should be selected with a single mouse click.</p>
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<li class="panel"> <a href="#ans_16" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_16">When I request changes to my account how can I ensure my request has been processed?</a>
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<p>When you are requesting financial changes to your account, there will be a confirmation number displayed when the transaction is complete. Please make a note of the confirmation number.</p>
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</li>
<li class="panel"> <a href="#ans_17" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_17">Whom do I contact for questions?</a>
<div role="tabpanel" class="collapse" id="ans_17">
<p>If you have any questions about this Web site please contact a Transamerica Retirement Solutions Representative at <a href="tel:+18007555801">800-755-5801</a> or send us an e-mail by using Contact Us in Help.</p>
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</li>
<li class="panel"> <a href="#ans_18" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_18">How soon can I expect a response from using Contact Us?</a>
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<p>Our standard response for most inquiries is within 24 hours.</p>
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<li class="js-faq-group">
<h3>Security</h3>
<ol class="number-list" id="faq_list_4">
<li class="panel"> <a href="#ans_19" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_19">How safe are Internet transmissions between my computer and My TRSRetire?</a>
<div role="tabpanel" class="collapse" id="ans_19">
<p>Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).</p>
<p>As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.</p>
</div>
</li>
<li class="panel"> <a href="#ans_20" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_20">What is 128-bit encryption or U.S. Security?</a>
<div role="tabpanel" class="collapse" id="ans_20">
<p>To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.</p>
</div>
</li>
<li class="panel"> <a href="#ans_21" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_21">What are digital certificates?</a>
<div role="tabpanel" class="collapse" id="ans_21">
<p>Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.</p>
</div>
</li>
<li class="panel"> <a href="#ans_22" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_22">What is Secure Socket Layer (SSL)?</a>
<div role="tabpanel" class="collapse" id="ans_22">
<p>Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.</p>
</div>
</li>
<li class="panel"> <a href="#ans_23" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_23">What is https://?</a>
<div role="tabpanel" class="collapse" id="ans_23">
<p>While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.</p>
</div>
</li>
<li class="panel"> <a href="#ans_24" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_24">Please explain the safety of My TRSRetire on the Internet in greater detail.</a>
<div role="tabpanel" class="collapse" id="ans_24">
<p>Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.</p>
<p>All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.</p>
<p>Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.</p>
<p>My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.</p>
<p>Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.</p>
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</li>
<li class="panel"> <a href="#ans_25" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_25">Why is it important to use the Sign Out button to exit your account?</a>
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<p>Using the Sign Out button to exit will ensure the confidentially of your account.</p>
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<div role="tabpanel" class="tab-pane panel__glossary" id="glossary_tab">
<p> This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.</p>
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<li><a href="#gloss_a" role="navigation" class="navbar-btn js-gloss-scroll">A</a></li>
<li><a href="#gloss_b" role="navigation" class="navbar-btn js-gloss-scroll">B</a></li>
<li><a href="#gloss_c" role="navigation" class="navbar-btn js-gloss-scroll">C</a></li>
<li><a href="#gloss_d" role="navigation" class="navbar-btn js-gloss-scroll">D</a></li>
<li><a href="#gloss_e" role="navigation" class="navbar-btn js-gloss-scroll">E</a></li>
<li><a href="#gloss_f" role="navigation" class="navbar-btn js-gloss-scroll">F</a></li>
<li><a href="#gloss_g" role="navigation" class="navbar-btn js-gloss-scroll">G</a></li>
<li><a href="#gloss_h" role="navigation" class="navbar-btn js-gloss-scroll">H</a></li>
<li><a href="#gloss_i" role="navigation" class="navbar-btn js-gloss-scroll">I</a></li>
<li><a href="#gloss_j" role="navigation" class="navbar-btn js-gloss-scroll">J</a></li>
<li><a href="#gloss_k" role="navigation" class="navbar-btn js-gloss-scroll">K</a></li>
<li><a href="#gloss_l" role="navigation" class="navbar-btn js-gloss-scroll">L</a></li>
<li><a href="#gloss_m" role="navigation" class="navbar-btn js-gloss-scroll">M</a></li>
<li><a href="#gloss_n" role="navigation" class="navbar-btn js-gloss-scroll">N</a></li>
<li><a href="#gloss_o" role="navigation" class="navbar-btn js-gloss-scroll">O</a></li>
<li><a href="#gloss_p" role="navigation" class="navbar-btn js-gloss-scroll">P</a></li>
<li><a href="#gloss_q" role="navigation" class="navbar-btn js-gloss-scroll">Q</a></li>
<li><a href="#gloss_r" role="navigation" class="navbar-btn js-gloss-scroll">R</a></li>
<li><a href="#gloss_s" role="navigation" class="navbar-btn js-gloss-scroll">S</a></li>
<li><a href="#gloss_t" role="navigation" class="navbar-btn js-gloss-scroll">T</a></li>
<li><a href="#gloss_u" role="navigation" class="navbar-btn js-gloss-scroll">U</a></li>
<li><a href="#gloss_v" role="navigation" class="navbar-btn js-gloss-scroll">V</a></li>
<li><a href="#gloss_w" role="navigation" class="navbar-btn js-gloss-scroll">W</a></li>
<li><a href="#gloss_x" role="navigation" class="navbar-btn js-gloss-scroll">X</a></li>
<li><a href="#gloss_y" role="navigation" class="navbar-btn js-gloss-scroll">Y</a></li>
<li><a href="#gloss_z" role="navigation" class="navbar-btn js-gloss-scroll">Z</a></li>
<li><a href="#gloss_num" role="navigation" class="navbar-btn js-gloss-scroll">#</a></li>
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<dl>
<dt id="gloss_a">A</dt>
<dt><dfn>(Future) Allocations</dfn></dt>
<dd>To distribute a percentage of money to one or more funds.</dd>
<dt id="gloss_b">B</dt>
<dt><dfn>Back End Load</dfn></dt>
<dd>A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.</dd>
<dt><dfn>Bear Market</dfn></dt>
<dd>A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.</dd>
<dt><dfn>Benefits Administration</dfn></dt>
<dd>The implementation and coordination of an employee benefits plan.</dd>
<dt id="gloss_c">C <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Capital Gain</dfn></dt>
<dd>The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.</dd>
<dt><dfn>Closing Price</dfn></dt>
<dd>The price of the last transaction for a given security at the end of a given trading session.</dd>
<dt><dfn>Confirmation</dfn></dt>
<dd>A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).</dd>
<dt><dfn>Contribution Types</dfn></dt>
<dd>The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.</dd>
<dt><dfn>Contributions (Saving Rate)</dfn></dt>
<dd>A portion of an employee / participant's current salary that is invested in a retirement plan.</dd>
<dt id="gloss_d">D</dt>
<dt><dfn>Defined Contribution Plan</dfn></dt>
<dd>A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.</dd>
<dt><dfn>Defined Benefit Plan</dfn></dt>
<dd>A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.</dd>
<dt><dfn>Diversification</dfn></dt>
<dd>Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.</dd>
<dt id="gloss_e">E</dt>
<dt><dfn>Employee Stock Ownership Plan</dfn></dt>
<dd>A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.</dd>
<dt id="gloss_f">F <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Fiduciary</dfn></dt>
<dd>An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.</dd>
<dt><dfn>Front-End Load</dfn></dt>
<dd>A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.</dd>
<dt id="gloss_g">G</dt>
<dt><dfn>General Obligation Bond</dfn></dt>
<dd>A municipal bond secured by the taxing and borrowing power of the municipality issuing it.</dd>
<dt><dfn><abbr>GIC</abbr></dfn></dt>
<dd>Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.</dd>
<dt id="gloss_h">H</dt>
<dt><dfn>High-Grade Bond</dfn></dt>
<dd>A bond with a rating of AAA or AA, the two highest ratings.</dd>
<dt><dfn>Hedge Fund</dfn></dt>
<dd>A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).</dd>
<dt id="gloss_i">I <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>IRA</abbr></dfn></dt>
<dd>Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.</dd>
<dt><dfn>Investment Mix</dfn></dt>
<dd>The combination of all the funds in your investment portfolio.</dd>
<dt id="gloss_j">J</dt>
<dt><dfn>January Effect</dfn></dt>
<dd>Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.</dd>
<dt><dfn>Joint Life Annuity</dfn></dt>
<dd>An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.</dd>
<dt><dfn>Junk Bond</dfn></dt>
<dd>A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.</dd>
<dt id="gloss_k">K</dt>
<dt><dfn>Kappa</dfn></dt>
<dd>A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.</dd>
<dt><dfn>Keogh Plan</dfn></dt>
<dd>A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.</dd>
<dt><dfn>Key Person Insurance</dfn></dt>
<dd>Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.</dd>
<dt><dfn>Krugerrand</dfn></dt>
<dd>Gold coin minted by the Republic of South Africa.</dd>
<dt id="gloss_l">L <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Loan Note</dfn></dt>
<dd>A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.</dd>
<dt><dfn>Loan Schedule</dfn></dt>
<dd>A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.</dd>
<dt id="gloss_m">M</dt>
<dt><dfn>Matching Funds</dfn></dt>
<dd>A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.</dd>
<dt><dfn>Money Market Fund</dfn></dt>
<dd>A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.</dd>
<dt><dfn>Mutual Funds</dfn></dt>
<dd>Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.</dd>
<dt id="gloss_n">N</dt>
<dt><dfn>Nasdaq Composite Index</dfn></dt>
<dd>A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.</dd>
<dt><dfn>New York Stock Exchange (NYSE)</dfn></dt>
<dd>The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.</dd>
<dt id="gloss_o">O <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Obligation Bond</dfn></dt>
<dd>Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.</dd>
<dt><dfn>Offering</dfn></dt>
<dd>The making available of a new securities to the public through an underwriting. Also called public offering.</dd>
<dt><dfn>Online Trading</dfn></dt>
<dd>The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.</dd>
<dt><dfn>Option</dfn></dt>
<dd>The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.</dd>
<dt id="gloss_p">P</dt>
<dt><dfn><abbr>PCRA</abbr></dfn></dt>
<dd>(Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.</dd>
<dt><dfn>Pending Transfer</dfn></dt>
<dd>A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.</dd>
<dt id="gloss_q">Q</dt>
<dt><dfn>Qualified Retirement Plan</dfn></dt>
<dd>A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.</dd>
<dt><dfn>Quarterly Report</dfn></dt>
<dd>Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.</dd>
<dt id="gloss_r">R <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Rate of Return</dfn></dt>
<dd>The rate of return on an investment, expressed as a percent of the total amount invested.</dd>
<dt><dfn>Rebalance (Investment Mix)</dfn></dt>
<dd>The process of changing your current investment mix to a new Investment Mix.</dd>
<dt><dfn>Rollover</dfn></dt>
<dd>A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.</dd>
<dt id="gloss_s">S</dt>
<dt><dfn>Savings Bond</dfn></dt>
<dd>A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.</dd>
<dt><dfn>Sector Fund</dfn></dt>
<dd>A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.</dd>
<dt><dfn>Strategic Allocation Fund (Multi asset class)</dfn></dt>
<dd>A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.</dd>
<dt id="gloss_t">T</dt>
<dt><dfn>Tender Offer</dfn></dt>
<dd>A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.</dd>
<dt><dfn>Time Horizon</dfn></dt>
<dd>The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.</dd>
<dt><dfn>Transfer</dfn></dt>
<dd>A function that moves account balances between various funds.</dd>
<dt><dfn>Transreferance Number</dfn></dt>
<dd>A number assigned to each transaction, consisting of a current date and a sequential number within that date.</dd>
<dt id="gloss_u">U <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Undervalued</dfn></dt>
<dd>Something whose price is below its perceived value.</dd>
<dt><dfn>Unit Value (NAV)</dfn></dt>
<dd>The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.</dd>
<dt><dfn>Unrealized Loss</dfn></dt>
<dd>Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.</dd>
<dt><dfn>U.S. Treasury Securities</dfn></dt>
<dd>Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.</dd>
<dt id="gloss_v">V</dt>
<dt><dfn>Value Fund</dfn></dt>
<dd>A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).</dd>
<dt><dfn>Vesting</dfn></dt>
<dd>Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.</dd>
<dt id="gloss_w">W</dt>
<dt><dfn>Weak Dollar</dfn></dt>
<dd>Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.</dd>
<dt><dfn>Windfall</dfn></dt>
<dd>Money received which was not expected and not a direct result of something the recipient did.</dd>
<dt><dfn>World Bank</dfn></dt>
<dd>An organization whose focus is on foreign exchange reserves and the balance of trade.</dd>
<dt id="gloss_x">X <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>X</abbr> or <abbr>XD</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.</dd>
<dt><dfn><abbr>XR</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.</dd>
<dt><dfn><abbr>XW</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is ex-warrants.</dd>
<dt id="gloss_y">Y</dt>
<dt><dfn>Yield to Maturity</dfn></dt>
<dd>Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.</dd>
<dt><dfn>Yankee Bond Market</dfn></dt>
<dd>Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.</dd>
<dt id="gloss_z">Z </dt>
<dt><dfn>Zero-Coupon Bond</dfn></dt>
<dd>A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.</dd>
<dt><dfn>Zero-Coupon Convertible</dfn></dt>
<dd>A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.</dd>
<dt id="gloss_num"># <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>401(k) Plan</dfn></dt>
<dd>A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.</dd>
<dt><dfn>403(b) Plan</dfn></dt>
<dd>A defined contribution plan established by certain tax exempt organizations and public schools for their employees.</dd>
<dt><dfn>457 Plan</dfn></dt>
<dd>A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.</dd>
</dl>
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Access
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Service
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This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.
To see a word and its's definition, select a letter from the menu to go to that section of the alphabet.
- A
- (Future) Allocations
- To distribute a percentage of money to one or more funds.
- B
- Back End Load
- A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.
- Bear Market
- A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.
- Benefits Administration
- The implementation and coordination of an employee benefits plan.
- C back to top
- Capital Gain
- The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.
- Closing Price
- The price of the last transaction for a given security at the end of a given trading session.
- Confirmation
- A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).
- Contribution Types
- The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.
- Contributions (Saving Rate)
- A portion of an employee / participant's current salary that is invested in a retirement plan.
- D
- Defined Contribution Plan
- A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.
- Defined Benefit Plan
- A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.
- Diversification
- Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.
- E
- Employee Stock Ownership Plan
- A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.
- F back to top
- Fiduciary
- An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.
- Front-End Load
- A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.
- G
- General Obligation Bond
- A municipal bond secured by the taxing and borrowing power of the municipality issuing it.
- GIC
- Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.
- H
- High-Grade Bond
- A bond with a rating of AAA or AA, the two highest ratings.
- Hedge Fund
- A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).
- I back to top
- IRA
- Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.
- Investment Mix
- The combination of all the funds in your investment portfolio.
- J
- January Effect
- Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.
- Joint Life Annuity
- An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.
- Junk Bond
- A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.
- K
- Kappa
- A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.
- Keogh Plan
- A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.
- Key Person Insurance
- Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.
- Krugerrand
- Gold coin minted by the Republic of South Africa.
- L back to top
- Loan Note
- A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.
- Loan Schedule
- A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.
- M
- Matching Funds
- A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.
- Money Market Fund
- A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.
- Mutual Funds
- Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.
- N
- Nasdaq Composite Index
- A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.
- New York Stock Exchange (NYSE)
- The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.
- O back to top
- Obligation Bond
- Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.
- Offering
- The making available of a new securities to the public through an underwriting. Also called public offering.
- Online Trading
- The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.
- Option
- The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.
- P
- PCRA
- (Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.
- Pending Transfer
- A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.
- Q
- Qualified Retirement Plan
- A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.
- Quarterly Report
- Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.
- R back to top
- Rate of Return
- The rate of return on an investment, expressed as a percent of the total amount invested.
- Rebalance (Investment Mix)
- The process of changing your current investment mix to a new Investment Mix.
- Rollover
- A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.
- S
- Savings Bond
- A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.
- Sector Fund
- A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.
- Strategic Allocation Fund (Multi asset class)
- A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.
- T
- Tender Offer
- A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.
- Time Horizon
- The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.
- Transfer
- A function that moves account balances between various funds.
- Transreferance Number
- A number assigned to each transaction, consisting of a current date and a sequential number within that date.
- U back to top
- Undervalued
- Something whose price is below its perceived value.
- Unit Value (NAV)
- The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.
- Unrealized Loss
- Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.
- U.S. Treasury Securities
- Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.
- V
- Value Fund
- A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).
- Vesting
- Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.
- W
- Weak Dollar
- Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.
- Windfall
- Money received which was not expected and not a direct result of something the recipient did.
- World Bank
- An organization whose focus is on foreign exchange reserves and the balance of trade.
- X back to top
- X or XD
- A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.
- XR
- A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.
- XW
- A symbol used by newspapers to signify that a stock is ex-warrants.
- Y
- Yield to Maturity
- Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.
- Yankee Bond Market
- Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.
- Z
- Zero-Coupon Bond
- A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.
- Zero-Coupon Convertible
- A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.
- # back to top
- 401(k) Plan
- A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.
- 403(b) Plan
- A defined contribution plan established by certain tax exempt organizations and public schools for their employees.
- 457 Plan
- A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<input type="checkbox" id="updateEmailCheck" name="check">
<label for="updateEmailCheck"><span role="checkbox"></span>Update my account(s) with this email address</label>
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<p class="horizontal-padding">Check the box for all future email correspondence to be sent to this email address, including electronic notifications for any services in which you are enrolled.</p>
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<label for="company">Employer:</label>
<input name="company" id="company" type="text" autocapitalize="off" autocorrect="off" autocomplete="organization" value="Milwaukee Electric Tool Corporation" disabled>
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<fieldset><legend class="label">Are you still employed here?</legend>
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<label for="employedYes" class="radio-inline"> <span role="radio"></span> Yes</label>
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<label for="acctNum">Account Number:</label>
<input name="acctNum" id="acctNum" type="text" autocapitalize="off" autocorrect="off" autocomplete="" pattern="\d*">
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<p>To view the answers to the following questions, select the link for that question.</p>
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<h3>Access</h3>
<ol class="number-list" id="faq_list_1">
<li class="panel"> <a href="#ans_1" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_1" id="q_1">Are there any special browser requirements to use My TRSRetire?</a>
<div role="tab" class="collapse" id="ans_1" aria-labelledby="q_1">
<p>My TRSRetire has been optimized to work best in Microsoft Internet Explorer (version 8.0 or higher), as well as Google Chrome, Mozilla Firefox, and Apple Safari. To check the current version of Internet Explorer, select HELP in your browser menu, then choose ABOUT INTERNET EXPLORER. You can download a free copy of the latest version of Microsoft Internet Explorer, Firefox, Safari or Chrome by clicking on the appropriate button below.</p>
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<p>Additionally, this website works best with a minimum version of Adobe Flash Player 9 and a browser with JavaScript enabled.</p>
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<li class="panel"> <a href="#ans_2" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_2" id="q_2">If I am going to dial into the Internet, how do I disable call waiting?</a>
<div role="tab" class="collapse" id="ans_2" aria-labelledby="q_2">
<p>Insert *70 in front of the telephone number in the phone number dialogue box on your computer prior to dialing OR press *70 on your telephone and hang up the phone. Call waiting will be disabled for the next outgoing call made on the phone line. Call waiting will not be disabled for any further calls unless *70, is dialed again.</p>
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<li class="panel"> <a href="#ans_3" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_3" id="q_3">Why do I have trouble signing in from work?</a>
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<p>You may be behind a corporate firewall at work. The firewall serves to enforce security policy on your network. Often, administrators restrict encrypted information, like your Transamerica account information, from entering networks. Verify your restrictions by contacting your network administrator.</p>
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<h3>Signing In</h3>
<ol class="number-list" id="faq_list_2">
<li class="panel"> <a href="#ans_4" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_4">I haven't established a Username/Password. How do I create one?</a>
<div role="tabpanel" class="collapse" id="ans_4">
<p>If you are a first time user select the GET STARTED button on the Sign In screen, it will take you to the Welcome Screen to create your Username and Password.</p>
</div>
</li>
<li class="panel"> <a href="#ans_5" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_5">Why does My TRSRetire offer the option to use Username or Social Security Number for Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_5">
<p>Your personal information is very important to us. My TRSRetire offers the option of using either Username or Social Security Number for additional security.</p>
</div>
</li>
<li class="panel"> <a href="#ans_9" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_9">How can I change my Username?</a>
<div role="tabpanel" class="collapse" id="ans_9">
<p>Select the change Username option in the Manage Profile section. You will be able to create a new Username or use your Social Security Number as your Username.</p>
</div>
</li>
<li class="panel"> <a href="#ans_10" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_10">What if I forgot my Username?</a>
<div role="tabpanel" class="collapse" id="ans_10">
<p>Use your Social Security Number if you do not remember your Username.</p>
</div>
</li>
<li class="panel"> <a href="#ans_6" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_6">What if I forgot my password?</a>
<div role="tabpanel" class="collapse" id="ans_6">
<p>Select the 'Lost your ID or password?' link on the Sign In screen. You will be required to enter your social security or username to have your password hint emailed to you. If you still do not remember your password, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative.</p>
</div>
</li>
<li class="panel"> <a href="#ans_7" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_7">How do I change my password?</a>
<div role="tabpanel" class="collapse" id="ans_7">
<p>Select the 'Change Password' option in the Manage Profile section.</p>
</div>
</li>
<li class="panel"> <a href="#ans_8" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_8">Why doesn't my password work when I try to Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_8">
<p>Make sure that you are entering your correct Username or Social Security Number and Password. If you are still unable to Sign In, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative or send us an email using Contact Us in Help.</p>
<div class="alert alert-caution">
<div class="alert-icon"><span class="trs-icons-alert-caution alert-icon-size" role="presentation"></span></div>
<div class="alert-message"> <strong>Note:</strong>
<p>After three unsuccessful Sign In attempts, your account will be disabled.</p>
</div>
</div>
</div>
</li>
</ol>
</li>
<li class="js-faq-group">
<h3>Service</h3>
<ol class="number-list" id="faq_list_3">
<li class="panel"> <a href="#ans_11" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_11">What services does My TRSRetire provide?</a>
<div role="tabpanel" class="collapse" id="ans_11">
<p>My TRSRetire provides you with detailed fund information, transaction history, historical account balances and unit values. You also have access to online investment fund transfers and investment fund allocation changes as long as your plan doesn't have any special fund restrictions.</p>
</div>
</li>
<li class="panel"> <a href="#ans_12" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_12">When is My TRSRetire available?</a>
<div role="tabpanel" class="collapse" id="ans_12">
<p>My TRSRetire is accessible 24 hours a day, 7 days a week.</p>
</div>
</li>
<li class="panel"> <a href="#ans_13" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_13">Can I print the information from My TRSRetire that appears on my monitor?</a>
<div role="tabpanel" class="collapse" id="ans_13">
<p>Yes, you can print any screen using the supported Internet browsers. In Internet Explorer or Netscape, select FILE in your browser menu and then select PRINT. Make sure that you have the right printer selected before sending the file to the printer. If there is a print button available on the page, use the print button.</p>
<div class="alert alert-info">
<div class="alert-icon"><span class="trs-icons-alert-info alert-icon-size" role="presentation"></span></div>
<div class="alert-message"> <strong>Note:</strong>
<p>Some screens will require you to print landscape in order to view all of the information on the screen. To do this in Internet Explorer, simply select File and Page Setup, and select the Landscape option. If you are using Netscape, select File and Print and then the Properties button. Select the Landscape option and then OK.</p>
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</div>
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</li>
<li class="panel"> <a href="#ans_14" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_14">Why does the page cut off when I print?</a>
<div role="tabpanel" class="collapse" id="ans_14">
<p>Some pages may be too wide to print with your paper orientation set to PORTRAIT.</p>
<p>To change your paper orientation in Internet Explorer, select FILE on your browser menu and then select PAGE SETUP. In the lower left corner select LANDSCAPE and then select OK. When you are ready to print, select FILE on your browser menu then select PRINT. This setting should remain in effect until you change it.</p>
<p>To change your paper orientation in Netscape, wait until you are ready to print. When ready, select FILE on your browser menu and then select PRINT. After choosing your printer from the dropdown box, select PROPERTIES. Make sure that the PAPER tab is selected at the Select LANDSCAPE and then select OK. Select OK to print. This setting should remain in effect until you change it.</p>
</div>
</li>
<li class="panel"> <a href="#ans_15" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_15">When I select the Fund Hyperlinks, why do I get a blank screen?</a>
<div role="tabpanel" class="collapse" id="ans_15">
<p>If you double-click on the Fund Hyperlinks, the linked screen might be behind the current screen. All hyperlinks should be selected with a single mouse click.</p>
</div>
</li>
<li class="panel"> <a href="#ans_16" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_16">When I request changes to my account how can I ensure my request has been processed?</a>
<div role="tabpanel" class="collapse" id="ans_16">
<p>When you are requesting financial changes to your account, there will be a confirmation number displayed when the transaction is complete. Please make a note of the confirmation number.</p>
</div>
</li>
<li class="panel"> <a href="#ans_17" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_17">Whom do I contact for questions?</a>
<div role="tabpanel" class="collapse" id="ans_17">
<p>If you have any questions about this Web site please contact a Transamerica Retirement Solutions Representative at <a href="tel:+18007555801">800-755-5801</a> or send us an e-mail by using Contact Us in Help.</p>
</div>
</li>
<li class="panel"> <a href="#ans_18" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_18">How soon can I expect a response from using Contact Us?</a>
<div role="tabpanel" class="collapse" id="ans_18">
<p>Our standard response for most inquiries is within 24 hours.</p>
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</li>
</ol>
</li>
<li class="js-faq-group">
<h3>Security</h3>
<ol class="number-list" id="faq_list_4">
<li class="panel"> <a href="#ans_19" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_19">How safe are Internet transmissions between my computer and My TRSRetire?</a>
<div role="tabpanel" class="collapse" id="ans_19">
<p>Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).</p>
<p>As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.</p>
</div>
</li>
<li class="panel"> <a href="#ans_20" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_20">What is 128-bit encryption or U.S. Security?</a>
<div role="tabpanel" class="collapse" id="ans_20">
<p>To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.</p>
</div>
</li>
<li class="panel"> <a href="#ans_21" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_21">What are digital certificates?</a>
<div role="tabpanel" class="collapse" id="ans_21">
<p>Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.</p>
</div>
</li>
<li class="panel"> <a href="#ans_22" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_22">What is Secure Socket Layer (SSL)?</a>
<div role="tabpanel" class="collapse" id="ans_22">
<p>Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.</p>
</div>
</li>
<li class="panel"> <a href="#ans_23" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_23">What is https://?</a>
<div role="tabpanel" class="collapse" id="ans_23">
<p>While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.</p>
</div>
</li>
<li class="panel"> <a href="#ans_24" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_24">Please explain the safety of My TRSRetire on the Internet in greater detail.</a>
<div role="tabpanel" class="collapse" id="ans_24">
<p>Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.</p>
<p>All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.</p>
<p>Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.</p>
<p>My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.</p>
<p>Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.</p>
</div>
</li>
<li class="panel"> <a href="#ans_25" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_25">Why is it important to use the Sign Out button to exit your account?</a>
<div role="tabpanel" class="collapse" id="ans_25">
<p>Using the Sign Out button to exit will ensure the confidentially of your account.</p>
</div>
</li>
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<div role="tabpanel" class="tab-pane panel__glossary" id="glossary_tab">
<p> This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.</p>
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<li><a href="#gloss_a" role="navigation" class="navbar-btn js-gloss-scroll">A</a></li>
<li><a href="#gloss_b" role="navigation" class="navbar-btn js-gloss-scroll">B</a></li>
<li><a href="#gloss_c" role="navigation" class="navbar-btn js-gloss-scroll">C</a></li>
<li><a href="#gloss_d" role="navigation" class="navbar-btn js-gloss-scroll">D</a></li>
<li><a href="#gloss_e" role="navigation" class="navbar-btn js-gloss-scroll">E</a></li>
<li><a href="#gloss_f" role="navigation" class="navbar-btn js-gloss-scroll">F</a></li>
<li><a href="#gloss_g" role="navigation" class="navbar-btn js-gloss-scroll">G</a></li>
<li><a href="#gloss_h" role="navigation" class="navbar-btn js-gloss-scroll">H</a></li>
<li><a href="#gloss_i" role="navigation" class="navbar-btn js-gloss-scroll">I</a></li>
<li><a href="#gloss_j" role="navigation" class="navbar-btn js-gloss-scroll">J</a></li>
<li><a href="#gloss_k" role="navigation" class="navbar-btn js-gloss-scroll">K</a></li>
<li><a href="#gloss_l" role="navigation" class="navbar-btn js-gloss-scroll">L</a></li>
<li><a href="#gloss_m" role="navigation" class="navbar-btn js-gloss-scroll">M</a></li>
<li><a href="#gloss_n" role="navigation" class="navbar-btn js-gloss-scroll">N</a></li>
<li><a href="#gloss_o" role="navigation" class="navbar-btn js-gloss-scroll">O</a></li>
<li><a href="#gloss_p" role="navigation" class="navbar-btn js-gloss-scroll">P</a></li>
<li><a href="#gloss_q" role="navigation" class="navbar-btn js-gloss-scroll">Q</a></li>
<li><a href="#gloss_r" role="navigation" class="navbar-btn js-gloss-scroll">R</a></li>
<li><a href="#gloss_s" role="navigation" class="navbar-btn js-gloss-scroll">S</a></li>
<li><a href="#gloss_t" role="navigation" class="navbar-btn js-gloss-scroll">T</a></li>
<li><a href="#gloss_u" role="navigation" class="navbar-btn js-gloss-scroll">U</a></li>
<li><a href="#gloss_v" role="navigation" class="navbar-btn js-gloss-scroll">V</a></li>
<li><a href="#gloss_w" role="navigation" class="navbar-btn js-gloss-scroll">W</a></li>
<li><a href="#gloss_x" role="navigation" class="navbar-btn js-gloss-scroll">X</a></li>
<li><a href="#gloss_y" role="navigation" class="navbar-btn js-gloss-scroll">Y</a></li>
<li><a href="#gloss_z" role="navigation" class="navbar-btn js-gloss-scroll">Z</a></li>
<li><a href="#gloss_num" role="navigation" class="navbar-btn js-gloss-scroll">#</a></li>
</ul>
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</nav>
<dl>
<dt id="gloss_a">A</dt>
<dt><dfn>(Future) Allocations</dfn></dt>
<dd>To distribute a percentage of money to one or more funds.</dd>
<dt id="gloss_b">B</dt>
<dt><dfn>Back End Load</dfn></dt>
<dd>A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.</dd>
<dt><dfn>Bear Market</dfn></dt>
<dd>A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.</dd>
<dt><dfn>Benefits Administration</dfn></dt>
<dd>The implementation and coordination of an employee benefits plan.</dd>
<dt id="gloss_c">C <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Capital Gain</dfn></dt>
<dd>The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.</dd>
<dt><dfn>Closing Price</dfn></dt>
<dd>The price of the last transaction for a given security at the end of a given trading session.</dd>
<dt><dfn>Confirmation</dfn></dt>
<dd>A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).</dd>
<dt><dfn>Contribution Types</dfn></dt>
<dd>The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.</dd>
<dt><dfn>Contributions (Saving Rate)</dfn></dt>
<dd>A portion of an employee / participant's current salary that is invested in a retirement plan.</dd>
<dt id="gloss_d">D</dt>
<dt><dfn>Defined Contribution Plan</dfn></dt>
<dd>A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.</dd>
<dt><dfn>Defined Benefit Plan</dfn></dt>
<dd>A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.</dd>
<dt><dfn>Diversification</dfn></dt>
<dd>Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.</dd>
<dt id="gloss_e">E</dt>
<dt><dfn>Employee Stock Ownership Plan</dfn></dt>
<dd>A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.</dd>
<dt id="gloss_f">F <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Fiduciary</dfn></dt>
<dd>An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.</dd>
<dt><dfn>Front-End Load</dfn></dt>
<dd>A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.</dd>
<dt id="gloss_g">G</dt>
<dt><dfn>General Obligation Bond</dfn></dt>
<dd>A municipal bond secured by the taxing and borrowing power of the municipality issuing it.</dd>
<dt><dfn><abbr>GIC</abbr></dfn></dt>
<dd>Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.</dd>
<dt id="gloss_h">H</dt>
<dt><dfn>High-Grade Bond</dfn></dt>
<dd>A bond with a rating of AAA or AA, the two highest ratings.</dd>
<dt><dfn>Hedge Fund</dfn></dt>
<dd>A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).</dd>
<dt id="gloss_i">I <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>IRA</abbr></dfn></dt>
<dd>Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.</dd>
<dt><dfn>Investment Mix</dfn></dt>
<dd>The combination of all the funds in your investment portfolio.</dd>
<dt id="gloss_j">J</dt>
<dt><dfn>January Effect</dfn></dt>
<dd>Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.</dd>
<dt><dfn>Joint Life Annuity</dfn></dt>
<dd>An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.</dd>
<dt><dfn>Junk Bond</dfn></dt>
<dd>A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.</dd>
<dt id="gloss_k">K</dt>
<dt><dfn>Kappa</dfn></dt>
<dd>A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.</dd>
<dt><dfn>Keogh Plan</dfn></dt>
<dd>A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.</dd>
<dt><dfn>Key Person Insurance</dfn></dt>
<dd>Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.</dd>
<dt><dfn>Krugerrand</dfn></dt>
<dd>Gold coin minted by the Republic of South Africa.</dd>
<dt id="gloss_l">L <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Loan Note</dfn></dt>
<dd>A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.</dd>
<dt><dfn>Loan Schedule</dfn></dt>
<dd>A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.</dd>
<dt id="gloss_m">M</dt>
<dt><dfn>Matching Funds</dfn></dt>
<dd>A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.</dd>
<dt><dfn>Money Market Fund</dfn></dt>
<dd>A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.</dd>
<dt><dfn>Mutual Funds</dfn></dt>
<dd>Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.</dd>
<dt id="gloss_n">N</dt>
<dt><dfn>Nasdaq Composite Index</dfn></dt>
<dd>A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.</dd>
<dt><dfn>New York Stock Exchange (NYSE)</dfn></dt>
<dd>The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.</dd>
<dt id="gloss_o">O <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Obligation Bond</dfn></dt>
<dd>Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.</dd>
<dt><dfn>Offering</dfn></dt>
<dd>The making available of a new securities to the public through an underwriting. Also called public offering.</dd>
<dt><dfn>Online Trading</dfn></dt>
<dd>The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.</dd>
<dt><dfn>Option</dfn></dt>
<dd>The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.</dd>
<dt id="gloss_p">P</dt>
<dt><dfn><abbr>PCRA</abbr></dfn></dt>
<dd>(Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.</dd>
<dt><dfn>Pending Transfer</dfn></dt>
<dd>A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.</dd>
<dt id="gloss_q">Q</dt>
<dt><dfn>Qualified Retirement Plan</dfn></dt>
<dd>A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.</dd>
<dt><dfn>Quarterly Report</dfn></dt>
<dd>Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.</dd>
<dt id="gloss_r">R <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Rate of Return</dfn></dt>
<dd>The rate of return on an investment, expressed as a percent of the total amount invested.</dd>
<dt><dfn>Rebalance (Investment Mix)</dfn></dt>
<dd>The process of changing your current investment mix to a new Investment Mix.</dd>
<dt><dfn>Rollover</dfn></dt>
<dd>A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.</dd>
<dt id="gloss_s">S</dt>
<dt><dfn>Savings Bond</dfn></dt>
<dd>A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.</dd>
<dt><dfn>Sector Fund</dfn></dt>
<dd>A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.</dd>
<dt><dfn>Strategic Allocation Fund (Multi asset class)</dfn></dt>
<dd>A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.</dd>
<dt id="gloss_t">T</dt>
<dt><dfn>Tender Offer</dfn></dt>
<dd>A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.</dd>
<dt><dfn>Time Horizon</dfn></dt>
<dd>The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.</dd>
<dt><dfn>Transfer</dfn></dt>
<dd>A function that moves account balances between various funds.</dd>
<dt><dfn>Transreferance Number</dfn></dt>
<dd>A number assigned to each transaction, consisting of a current date and a sequential number within that date.</dd>
<dt id="gloss_u">U <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Undervalued</dfn></dt>
<dd>Something whose price is below its perceived value.</dd>
<dt><dfn>Unit Value (NAV)</dfn></dt>
<dd>The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.</dd>
<dt><dfn>Unrealized Loss</dfn></dt>
<dd>Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.</dd>
<dt><dfn>U.S. Treasury Securities</dfn></dt>
<dd>Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.</dd>
<dt id="gloss_v">V</dt>
<dt><dfn>Value Fund</dfn></dt>
<dd>A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).</dd>
<dt><dfn>Vesting</dfn></dt>
<dd>Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.</dd>
<dt id="gloss_w">W</dt>
<dt><dfn>Weak Dollar</dfn></dt>
<dd>Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.</dd>
<dt><dfn>Windfall</dfn></dt>
<dd>Money received which was not expected and not a direct result of something the recipient did.</dd>
<dt><dfn>World Bank</dfn></dt>
<dd>An organization whose focus is on foreign exchange reserves and the balance of trade.</dd>
<dt id="gloss_x">X <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>X</abbr> or <abbr>XD</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.</dd>
<dt><dfn><abbr>XR</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.</dd>
<dt><dfn><abbr>XW</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is ex-warrants.</dd>
<dt id="gloss_y">Y</dt>
<dt><dfn>Yield to Maturity</dfn></dt>
<dd>Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.</dd>
<dt><dfn>Yankee Bond Market</dfn></dt>
<dd>Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.</dd>
<dt id="gloss_z">Z </dt>
<dt><dfn>Zero-Coupon Bond</dfn></dt>
<dd>A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.</dd>
<dt><dfn>Zero-Coupon Convertible</dfn></dt>
<dd>A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.</dd>
<dt id="gloss_num"># <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>401(k) Plan</dfn></dt>
<dd>A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.</dd>
<dt><dfn>403(b) Plan</dfn></dt>
<dd>A defined contribution plan established by certain tax exempt organizations and public schools for their employees.</dd>
<dt><dfn>457 Plan</dfn></dt>
<dd>A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.</dd>
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Security
- How safe are Internet transmissions between my computer and My TRSRetire?
Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).
As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.
- What is 128-bit encryption or U.S. Security?
To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.
- What are digital certificates?
Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.
- What is Secure Socket Layer (SSL)?
Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.
- What is https://?
While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.
- Please explain the safety of My TRSRetire on the Internet in greater detail.
Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.
All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.
Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.
My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.
Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.
- Why is it important to use the Sign Out button to exit your account?
Using the Sign Out button to exit will ensure the confidentially of your account.
- How safe are Internet transmissions between my computer and My TRSRetire?
This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.
To see a word and its's definition, select a letter from the menu to go to that section of the alphabet.
- A
- (Future) Allocations
- To distribute a percentage of money to one or more funds.
- B
- Back End Load
- A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.
- Bear Market
- A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.
- Benefits Administration
- The implementation and coordination of an employee benefits plan.
- C back to top
- Capital Gain
- The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.
- Closing Price
- The price of the last transaction for a given security at the end of a given trading session.
- Confirmation
- A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).
- Contribution Types
- The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.
- Contributions (Saving Rate)
- A portion of an employee / participant's current salary that is invested in a retirement plan.
- D
- Defined Contribution Plan
- A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.
- Defined Benefit Plan
- A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.
- Diversification
- Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.
- E
- Employee Stock Ownership Plan
- A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.
- F back to top
- Fiduciary
- An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.
- Front-End Load
- A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.
- G
- General Obligation Bond
- A municipal bond secured by the taxing and borrowing power of the municipality issuing it.
- GIC
- Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.
- H
- High-Grade Bond
- A bond with a rating of AAA or AA, the two highest ratings.
- Hedge Fund
- A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).
- I back to top
- IRA
- Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.
- Investment Mix
- The combination of all the funds in your investment portfolio.
- J
- January Effect
- Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.
- Joint Life Annuity
- An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.
- Junk Bond
- A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.
- K
- Kappa
- A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.
- Keogh Plan
- A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.
- Key Person Insurance
- Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.
- Krugerrand
- Gold coin minted by the Republic of South Africa.
- L back to top
- Loan Note
- A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.
- Loan Schedule
- A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.
- M
- Matching Funds
- A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.
- Money Market Fund
- A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.
- Mutual Funds
- Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.
- N
- Nasdaq Composite Index
- A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.
- New York Stock Exchange (NYSE)
- The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.
- O back to top
- Obligation Bond
- Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.
- Offering
- The making available of a new securities to the public through an underwriting. Also called public offering.
- Online Trading
- The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.
- Option
- The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.
- P
- PCRA
- (Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.
- Pending Transfer
- A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.
- Q
- Qualified Retirement Plan
- A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.
- Quarterly Report
- Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.
- R back to top
- Rate of Return
- The rate of return on an investment, expressed as a percent of the total amount invested.
- Rebalance (Investment Mix)
- The process of changing your current investment mix to a new Investment Mix.
- Rollover
- A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.
- S
- Savings Bond
- A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.
- Sector Fund
- A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.
- Strategic Allocation Fund (Multi asset class)
- A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.
- T
- Tender Offer
- A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.
- Time Horizon
- The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.
- Transfer
- A function that moves account balances between various funds.
- Transreferance Number
- A number assigned to each transaction, consisting of a current date and a sequential number within that date.
- U back to top
- Undervalued
- Something whose price is below its perceived value.
- Unit Value (NAV)
- The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.
- Unrealized Loss
- Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.
- U.S. Treasury Securities
- Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.
- V
- Value Fund
- A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).
- Vesting
- Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.
- W
- Weak Dollar
- Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.
- Windfall
- Money received which was not expected and not a direct result of something the recipient did.
- World Bank
- An organization whose focus is on foreign exchange reserves and the balance of trade.
- X back to top
- X or XD
- A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.
- XR
- A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.
- XW
- A symbol used by newspapers to signify that a stock is ex-warrants.
- Y
- Yield to Maturity
- Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.
- Yankee Bond Market
- Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.
- Z
- Zero-Coupon Bond
- A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.
- Zero-Coupon Convertible
- A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.
- # back to top
- 401(k) Plan
- A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.
- 403(b) Plan
- A defined contribution plan established by certain tax exempt organizations and public schools for their employees.
- 457 Plan
- A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.
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<div class="print-info-line2">INSERT LAST DATA UPDATE AT: HERE.</div>
<div class="print-info-line3">Date Printed: 04/10/16</div>
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</a>
</li>
</ul>
</li>
<!-- /Review -->
<!-- Manage -->
<li>
<a href="#nav_manage" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-settings" aria-hidden="true"></span>
Manage
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_manage">
<li>
<a href="#url" class="list-group-item selected">
Current Investments
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Future Allocations
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Transfers
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
PortfolioXpress®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Rollovers
</a>
</li>
</ul>
</li>
<!-- /Manage -->
<!-- Are You OnTrack®? -->
<li>
<a href="#nav_ontrack" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-on-track" aria-hidden="true"></span>
Are You OnTrack®?
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_ontrack">
<li>
<a href="#url" class="list-group-item selected">
Your Retirement Outlook®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Brighten Your Outlook®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Profile and Goals
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Retirement Accounts
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Retirement Incomes
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Budget and Withdrawals
</a>
</li>
</ul>
</li>
<!-- /Are You OnTrack®? -->
<!-- Resource Center -->
<li>
<a href="#nav_resources" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon glyphicon glyphicon-dashboard" aria-hidden="true"></span>
Resource Center
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_resources">
<li>
<a href="#url" class="list-group-item selected">
Calculators
</a>
</li>
</ul>
</li>
<!-- /Resource Center -->
<!-- Contact Us -->
<!--li>
<a href="#nav_contact" class="list-group-item nav--primary__head nav--primary__contact" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-phone-ring" aria-hidden="true"></span>
Contact Us
<span class="trs-utility--light">1-800-755-5801</span>
</a>
</li-->
<!-- /Contact Us -->
</ul>
</div>
</div>
</div>
</nav>
<!-- /Main Nav -->
</nav>
</div>
<!-- /sidebar -->
<!-- main area & col-xs-12 -->
<div class="non-responsive-swipe">
<div class="col-xs-12 col-sm-12 col-md-9 left-content-border right_panel">
<main class="row" id="main_content">
<!-- Begin "body" -->
<div class="col-xs-12 ">
<!-- YOUR CODE STARTS HERE. REMOVE THIS COMMENT AFTERWARDS. -->
<h1>Form Validation Example</h1>
<div class="panel-body">
<form id="demo" method="post" class="form-horizontal" action="">
<div class="form-group">
<label for="firstname" class="form-label">First Name<sup class="required" aria-required="true">*</sup></label>
<input type="text" class="form-control" id="firstname" name="firstname" placeholder="First Name" required="required" aria-required="true">
</div>
<div class="form-group">
<label class="form-label" for="lastname">Last name<sup class="required" aria-required="true">*</sup></label>
<input type="text" class="form-control" id="lastname" name="lastname" placeholder="Last name" required="required" aria-required="true">
</div>
<div class="form-group">
<label class="form-label" for="username">Username<sup class="required" aria-required="true">*</sup></label>
<input type="text" class="form-control" id="username" name="username" placeholder="Username" required="required" aria-required="true">
</div>
<div class="form-group">
<label class="form-label" for="email">Email<sup class="required" aria-required="true">*</sup></label>
<input type="text" class="form-control" id="email" name="email" placeholder="Email" required="required" aria-required="true">
</div>
<div class="form-group">
<label for="dob" class="form-label">Date of Birth<sup class="required" aria-required="true">*</sup></label>
<input id="dob" name="dateOfBirth" placeholder="MM/DD/YYYY" type="text" class="form-control" required="required" value="" autocomplete="off" aria-required="true" aria-invalid="true" aria-describedby="dob-error">
</div>
<div class="form-group">
<label for="dob2" class="form-label">Date of Birth (PRE FILLED SECURITY)</label>
<input id="dob2" name="dateOfBirth" placeholder="MM/DD/YYYY" value="12/18/1979" type="text" class="form-control">
</div>
<div class="form-group">
<label for="ssn" class="form-label">SSN<sup class="required" aria-required="true">*</sup></label>
<input id="ssn" name="ssn" placeholder="***-**-****" type="text" class="form-control" required="required" value="" autocomplete="off" aria-required="true" aria-invalid="true" aria-describedby="ssn-error">
</div>
<div class="row">
<div class="col-xs-12 col-sm-6">
<div class="form-group radio">
<div class="col-xs-2">
<input type="radio" id="yes" name="device" >
<label for="yes"><span role="radio"></span></label>
</div>
<div class="col-xs-10"><strong>Yes</strong>, this is a private device. Make my login easier next time.</div>
</div>
</div>
<div class="col-xs-12 col-sm-6">
<div class="form-group radio">
<div class="col-xs-2">
<input type="radio" id="no" name="device" >
<label for="no"><span role="radio"></span></label>
</div>
<div class="col-xs-10"><strong>No</strong>, this is a shared or public device. Be sure to ask security questions every time.</div>
</div>
</div>
</div>
<div class="form-group">
<label class="form-label" for="password">Password<sup class="required" aria-required="true">*</sup></label>
<input type="password" class="form-control" id="password" name="password" placeholder="Password" required="required" aria-required="true">
</div>
<div class="form-group">
<label class="form-label" for="confirm_password">Confirm password<sup class="required" aria-required="true">*</sup></label>
<input type="password" class="form-control" id="confirm_password" name="confirm_password" placeholder="Confirm password" required="required" aria-required="true">
</div>
<div class="form-group">
<div class="checkbox">
<input type="checkbox" id="agree" name="agree" value="agree" />
<label for="agree"><span role="checkbox"></span> Please agree to our policy<sup class="required" aria-required="true">*</sup></label>
</div>
</div>
<div class="form-group">
<button type="submit" class="btn btn-primary" name="signup" value="Sign up">Sign up</button>
</div>
</form>
</div>
<!-- JQUERY FORM VALIDATION -->
<script type="text/javascript">
$.validator.setDefaults({
submitHandler: function() {
// alert for testing.
alert("submitted!");
}
});
$(document).ready(function() {
// VALID SSN
$.validator.addMethod('SocialSecurity',
function(value) {
return validSSN(value) || value == "";
}, 'Please enter a valid SSN'
);
function validSSN(value) {
var regex = /^([0-6]\d{2}|7[0-6]\d|77[0-2])([ \-]?)(\d{2})\2(\d{4})$/;
if (!regex.test(value)) {
return false;
}
var temp = value;
if (value.indexOf("-") != -1) {
temp = (value.split("-")).join("");
}
if (value.indexOf(" ") != -1) {
temp = (value.split(" ")).join("");
}
if (temp.substring(0, 3) == "000") {
return false;
}
if (temp.substring(3, 5) == "00") {
return false;
}
if (temp.substring(5, 9) == "0000") {
return false;
}
return true;
}
// END VALID SSN
// CUSTOM METHOD FOR CHECKING AGE
$.validator.addMethod("age13", function(value, element) {
try {
if (value != null && value.length == 10) {
var parts = value.split("/");
var dob = new Date(parts[2], parts[0] - 1, parts[1]);
dob.setFullYear(dob.getFullYear() + 13);
if (new Date() > dob) {
return true;
}
}
} catch (err) {}
return false;
}, "Please re-enter date of birth, you must be at least 13 years old");
// END AGE
// CUSTOM METHOD TEST DATE FORMAT
$.validator.addMethod("dateMMDDYYYY", function(value, element) {
try {
if (value != null && value.length == 10) {
var parts = value.split("/");
var dob = new Date(parts[2], parts[0] - 1, parts[1]);
if (dob.getDate() == parts[1] && dob.getMonth() == (parts[0] - 1)) {
return true;
}
}
} catch (err) {}
return false;
}, "Please enter a date in the requested format");
// END DATE FORMAT
// SET MASKS
$('#dob').mask("99/99/9999", {
placeholder: 'MM/DD/YYYY'
});
$('#ssn').mask("999-99-9999", {
placeholder: '999-99-9999'
});
// END MASKS
// FORM VALIDATION
$("#demo").validate({
rules: {
firstname: "required",
lastname: "required",
username: {
required: true,
minlength: 2
},
password: {
required: true,
minlength: 5
},
confirm_password: {
required: true,
minlength: 5,
equalTo: "#password"
},
email: {
required: true,
email: true
},
dateOfBirth: {
required: true,
date: true,
dateMMDDYYYY: true,
age13: true
},
ssn: {
SocialSecurity: true
},
device: "required",
agree: "required"
},
messages: {
firstname: "Please enter your firstname",
lastname: "Please enter your lastname",
username: {
required: "Please enter a username",
minlength: "Your username must consist of at least 2 characters"
},
password: {
required: "Please provide a password",
minlength: "Your password must be at least 5 characters long"
},
confirm_password: {
required: "Please provide a password",
minlength: "Your password must be at least 5 characters long",
equalTo: "Please enter the same password as above"
},
email: "Please enter a valid email address",
dateOfBirth: {
required: "Please enter a Date of Birth",
date: "Please enter a date of birth in the requested format",
dateMMDDYYYY: "Please enter a date of birth in the requested format"
},
ssn: 'Please enter a social security number.',
agree: "Please accept our policy"
},
errorElement: "span",
errorPlacement: function(error, element) {
element.parents(".form-group").addClass("has-feedback");
if (element.prop("type") === "checkbox") {
error.insertAfter(element.next('label'));
} else if (element.prop("type") === "radio") {
error.hide();
} else {
error.insertAfter(element);
}
// Add the span element, if doesn't exists, and apply the icon classes to it.
if (!$(element).parents('.form-group').find('span.glyphicon').length) {
$("<span role='presentation' class='glyphicon glyphicon-remove form-control-feedback'></span>").insertBefore(element);
}
},
success: function(label, element) {
// Add the span element, if doesn't exists, and apply the icon classes to it.
if (!$(element).parents('.form-group').find('span.glyphicon').length) {
$("<span role='presentation' class='glyphicon glyphicon-ok form-control-feedback'></span>").insertBefore($(element));
}
},
highlight: function(element, errorClass, validClass) {
$(element).parents(".form-group").addClass("error").removeClass("success");
$(element).parents(".form-group").find('span.glyphicon').addClass("glyphicon-remove").removeClass("glyphicon-ok");
},
unhighlight: function(element, errorClass, validClass) {
$(element).parents(".form-group").addClass("success").removeClass("error");
$(element).parents(".form-group").find('span.glyphicon').addClass("glyphicon-ok").removeClass("glyphicon-remove");
},
});
// END VALIDATION
// REPLACE/HIDE CHARACTERS
function hideDOB(objId) {
var obj = $(objId)[0];
var v = obj.value;
var l = v.length;
var val = v.substr(6);
obj.value = '**/**/' + val;
return true;
}
hideDOB('#dob2');
});
</script>
<!-- /YOUR CODE ENDS HERE. REMOVE THIS COMMENT AFTERWARDS. -->
</div>
<!-- End "body" -->
</main>
<div class="container-fluid bg-gray-light-5 sso-footer row">
<div class="row">
<div class="col-xs-12 ta-footer__socialmedia"><!-- Start Component Presentation: {"ComponentID" : "tcm:100-60576", "ComponentModified" : "2016-04-25T10:41:29", "ComponentTemplateID" : "tcm:100-60577-32", "ComponentTemplateModified" : "2015-12-16T09:58:09", "IsRepositoryPublished" : false} -->
<div class="container-fluid trs-footer--col-border text-center js-eq-ht-div">
<h3 class="trs-footer__subhead ta-footer__socialmedia--heading"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:headline[1]"} -->Follow Us</h3>
<a class="trs-icon-circle" id="100_60576_60577_0" target="_blank" href="https://www.linkedIn.com/company/transamerica" title="LinkedIn"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[1]"} --><span class="trs-icons-li" role="presentation"></span><span class="sr-only">LinkedIn</span></a> <a class="trs-icon-circle" id="100_60576_60577_1" target="_blank" href="https://www.facebook.com/Transamerica" title="Facebook"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[2]"} --><span class="trs-icons-fb" role="presentation"></span><span class="sr-only">Facebook</span></a> <a class="trs-icon-circle" id="100_60576_60577_2" target="_blank" href="https://twitter.com/transamerica" title="Twitter"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[3]"} --><span class="trs-icons-tw" role="presentation"></span><span class="sr-only">Twitter</span></a> <a class="trs-icon-circle" id="100_60576_60577_3" target="_blank" href="https://plus.google.com/+transamerica/" title="Google+"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[4]"} --><span class="trs-icons-g" role="presentation"></span><span class="sr-only">Google+</span></a> <a class="trs-icon-circle" id="100_60576_60577_4" target="_blank" href="http://www.pinterest.com/transamerica/" title="Pinterest"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[5]"} --><span class="trs-icons-pin" role="presentation"></span><span class="sr-only">Pinterest</span></a> <a class="trs-icon-circle" id="100_60576_60577_5" target="_blank" href="http://www.youtube.com/transamerica" title="YouTube"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[6]"} --><span class="trs-icons-youtube" role="presentation"></span><span class="sr-only">YouTube</span></a> <a class="trs-icon-circle" id="100_60576_60577_6" target="_blank" href="http://instagram.com/transamerica" title="Instagram"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[7]"} --><span class="trs-icons-insta" role="presentation"></span><span class="sr-only">Instagram</span></a> <a class="trs-icon-circle" id="100_60576_60577_7" target="_blank" href="https://www.tumblr.com/tagged/transamerica" title="Tumblr"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[8]"} --><span class="trs-icons-tumblr" role="presentation"></span><span class="sr-only">Tumblr</span></a> </div>
</div>
</div>
<footer id="global_footer" class="container-fluid trs-footer page-footer ta-footer">
<div class="row"><!-- Start Component Presentation: {"ComponentID" : "tcm:100-60578", "ComponentModified" : "2016-04-25T10:41:52", "ComponentTemplateID" : "tcm:100-60583-32", "ComponentTemplateModified" : "2015-12-16T09:54:35", "IsRepositoryPublished" : false} -->
<div class="ta-footer-contactus-container text-center"> <a type="button" class="btn btn-secondary" id="100_60578_60583_0" title="Call 1-800-Pyramid (797-2643)" href="tel:8007972643"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[1]"} --><span class='glyphicon glyphicon-earphone' role='presentation'></span> 1-800-Pyramid<span class='hidden-xs'> (797-2643)</span></a> </div>
</div>
<div class="row ta-footer-link-listing">
<div class="col-xs-6 col-sm-4 col-md-2 col-md-offset-1 col-lg-2 col-lg-offset-1 no-wrap"><!-- Start Component Presentation: {"ComponentID" : "tcm:100-60584", "ComponentModified" : "2016-04-25T10:41:11", "ComponentTemplateID" : "tcm:100-60589-32", "ComponentTemplateModified" : "2015-12-16T09:56:57", "IsRepositoryPublished" : false} -->
<h3 class="trs-footer__subhead"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:headline[1]"} -->Products</h3>
<ul class="trs-footer__nav-list">
<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[1]"} -->
<a class="" id="100_60584_60589_0" href="/individual/products/" title="All Products"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[1]/custom:linkText[1]"} -->All Products</a> </li>
<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[2]"} -->
<a class="" id="100_60584_60589_1" href="/individual/products/retirement-solutions/" title="401(k)/Retirement"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[2]/custom:linkText[1]"} -->401(k)/Retirement</a> </li>
<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[3]"} -->
<a class="" id="100_60584_60589_2" href="/individual/products/insurance/" title="Insurance"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[3]/custom:linkText[1]"} -->Insurance</a> </li>
<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[4]"} -->
<a class="" id="100_60584_60589_3" href="/individual/products/insurance/medicare-solutions/" title="Medicare Solutions"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[4]/custom:linkText[1]"} -->Medicare Solutions</a> </li>
<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[5]"} -->
<a class="" id="100_60584_60589_4" href="/individual/products/annuities/" title="Annuities"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[5]/custom:linkText[1]"} -->Annuities</a> </li>
<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[6]"} -->
<a class="" id="100_60584_60589_5" href="/individual/products/mutual-funds/" title="Mutual Funds"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[6]/custom:linkText[1]"} -->Mutual Funds</a> </li>
<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[7]"} -->
<a class="" id="100_60584_60589_6" href="/individual/products/retirement-solutions/" title="Rollover IRA"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[7]/custom:linkText[1]"} -->Rollover IRA</a> </li>
</ul>
</div>
<div class="col-xs-6 col-sm-4 col-md-2 col-lg-2"><!-- Start Component Presentation: {"ComponentID" : "tcm:100-60585", "ComponentModified" : "2016-04-25T10:41:18", "ComponentTemplateID" : "tcm:100-60589-32", "ComponentTemplateModified" : "2015-12-16T09:56:57", "IsRepositoryPublished" : false} -->
<h3 class="trs-footer__subhead"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:headline[1]"} -->Corporate</h3>
<ul class="trs-footer__nav-list">
<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[1]"} -->
<a class="" id="100_60585_60589_0" href="/individual/about-us/" title="About Us"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[1]/custom:linkText[1]"} -->About Us</a> </li>
<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[2]"} -->
<a class="" id="100_60585_60589_1" href="/individual/about-us/careers/" title="Careers"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[2]/custom:linkText[1]"} -->Careers</a> </li>
<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[3]"} -->
<a class="" id="100_60585_60589_2" href="/individual/about-us/who-we-are/" title="Who We Are"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[3]/custom:linkText[1]"} -->Who We Are</a> </li>
<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[4]"} -->
<a class="" id="100_60585_60589_3" href="/individual/about-us/sponsorships/" title="Sponsorships"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[4]/custom:linkText[1]"} -->Sponsorships</a> </li>
</ul>
</div>
<div class="col-xs-6 col-sm-4 col-md-2 col-lg-2"><!-- Start Component Presentation: {"ComponentID" : "tcm:100-60586", "ComponentModified" : "2016-04-25T10:40:58", "ComponentTemplateID" : "tcm:100-60589-32", "ComponentTemplateModified" : "2015-12-16T09:56:57", "IsRepositoryPublished" : false} -->
<h3 class="trs-footer__subhead"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:headline[1]"} -->Legal</h3>
<ul class="trs-footer__nav-list">
<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[1]"} -->
<a class="" id="100_60586_60589_0" href="/individual/compensation-disclosure/" title="Compensation"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[1]/custom:linkText[1]"} -->Compensation</a> </li>
<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[2]"} -->
<a class="" id="100_60586_60589_1" href="/individual/privacy-policy/" title="Privacy"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[2]/custom:linkText[1]"} -->Privacy</a> </li>
<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[3]"} -->
<a class="" id="100_60586_60589_2" href="/individual/terms-of-use/" title="Terms of Use"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[3]/custom:linkText[1]"} -->Terms of Use</a> </li>
<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[4]"} -->
<a class="" id="100_60586_60589_3" href="/individual/accessibility-statement/" title="Accessibility"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[4]/custom:linkText[1]"} -->Accessibility</a> </li>
<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[5]"} -->
<a class="" id="100_60586_60589_4" href="/individual/privacy-policy/for-abuse-victims/" title="Abuse Victims"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[5]/custom:linkText[1]"} -->Abuse Victims</a> </li>
</ul>
</div>
<div class="col-xs-6 col-sm-4 col-md-2 col-lg-2"><!-- Start Component Presentation: {"ComponentID" : "tcm:100-60587", "ComponentModified" : "2016-04-25T10:41:54", "ComponentTemplateID" : "tcm:100-60589-32", "ComponentTemplateModified" : "2015-12-16T09:56:57", "IsRepositoryPublished" : false} -->
<h3 class="trs-footer__subhead"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:headline[1]"} -->Help</h3>
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<li class="panel"> <a href="#ans_1" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_1" id="q_1">Are there any special browser requirements to use My TRSRetire?</a>
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<p>My TRSRetire has been optimized to work best in Microsoft Internet Explorer (version 8.0 or higher), as well as Google Chrome, Mozilla Firefox, and Apple Safari. To check the current version of Internet Explorer, select HELP in your browser menu, then choose ABOUT INTERNET EXPLORER. You can download a free copy of the latest version of Microsoft Internet Explorer, Firefox, Safari or Chrome by clicking on the appropriate button below.</p>
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<p>Additionally, this website works best with a minimum version of Adobe Flash Player 9 and a browser with JavaScript enabled.</p>
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<li class="panel"> <a href="#ans_2" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_2" id="q_2">If I am going to dial into the Internet, how do I disable call waiting?</a>
<div role="tab" class="collapse" id="ans_2" aria-labelledby="q_2">
<p>Insert *70 in front of the telephone number in the phone number dialogue box on your computer prior to dialing OR press *70 on your telephone and hang up the phone. Call waiting will be disabled for the next outgoing call made on the phone line. Call waiting will not be disabled for any further calls unless *70, is dialed again.</p>
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</li>
<li class="panel"> <a href="#ans_3" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_3" id="q_3">Why do I have trouble signing in from work?</a>
<div role="tab" class="collapse" id="ans_3" aria-labelledby="q_3">
<p>You may be behind a corporate firewall at work. The firewall serves to enforce security policy on your network. Often, administrators restrict encrypted information, like your Transamerica account information, from entering networks. Verify your restrictions by contacting your network administrator.</p>
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<h3>Signing In</h3>
<ol class="number-list" id="faq_list_2">
<li class="panel"> <a href="#ans_4" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_4">I haven't established a Username/Password. How do I create one?</a>
<div role="tabpanel" class="collapse" id="ans_4">
<p>If you are a first time user select the GET STARTED button on the Sign In screen, it will take you to the Welcome Screen to create your Username and Password.</p>
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</li>
<li class="panel"> <a href="#ans_5" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_5">Why does My TRSRetire offer the option to use Username or Social Security Number for Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_5">
<p>Your personal information is very important to us. My TRSRetire offers the option of using either Username or Social Security Number for additional security.</p>
</div>
</li>
<li class="panel"> <a href="#ans_9" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_9">How can I change my Username?</a>
<div role="tabpanel" class="collapse" id="ans_9">
<p>Select the change Username option in the Manage Profile section. You will be able to create a new Username or use your Social Security Number as your Username.</p>
</div>
</li>
<li class="panel"> <a href="#ans_10" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_10">What if I forgot my Username?</a>
<div role="tabpanel" class="collapse" id="ans_10">
<p>Use your Social Security Number if you do not remember your Username.</p>
</div>
</li>
<li class="panel"> <a href="#ans_6" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_6">What if I forgot my password?</a>
<div role="tabpanel" class="collapse" id="ans_6">
<p>Select the 'Lost your ID or password?' link on the Sign In screen. You will be required to enter your social security or username to have your password hint emailed to you. If you still do not remember your password, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative.</p>
</div>
</li>
<li class="panel"> <a href="#ans_7" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_7">How do I change my password?</a>
<div role="tabpanel" class="collapse" id="ans_7">
<p>Select the 'Change Password' option in the Manage Profile section.</p>
</div>
</li>
<li class="panel"> <a href="#ans_8" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_8">Why doesn't my password work when I try to Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_8">
<p>Make sure that you are entering your correct Username or Social Security Number and Password. If you are still unable to Sign In, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative or send us an email using Contact Us in Help.</p>
<div class="alert alert-caution">
<div class="alert-icon"><span class="trs-icons-alert-caution alert-icon-size" role="presentation"></span></div>
<div class="alert-message"> <strong>Note:</strong>
<p>After three unsuccessful Sign In attempts, your account will be disabled.</p>
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<h3>Service</h3>
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<li class="panel"> <a href="#ans_11" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_11">What services does My TRSRetire provide?</a>
<div role="tabpanel" class="collapse" id="ans_11">
<p>My TRSRetire provides you with detailed fund information, transaction history, historical account balances and unit values. You also have access to online investment fund transfers and investment fund allocation changes as long as your plan doesn't have any special fund restrictions.</p>
</div>
</li>
<li class="panel"> <a href="#ans_12" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_12">When is My TRSRetire available?</a>
<div role="tabpanel" class="collapse" id="ans_12">
<p>My TRSRetire is accessible 24 hours a day, 7 days a week.</p>
</div>
</li>
<li class="panel"> <a href="#ans_13" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_13">Can I print the information from My TRSRetire that appears on my monitor?</a>
<div role="tabpanel" class="collapse" id="ans_13">
<p>Yes, you can print any screen using the supported Internet browsers. In Internet Explorer or Netscape, select FILE in your browser menu and then select PRINT. Make sure that you have the right printer selected before sending the file to the printer. If there is a print button available on the page, use the print button.</p>
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<div class="alert-message"> <strong>Note:</strong>
<p>Some screens will require you to print landscape in order to view all of the information on the screen. To do this in Internet Explorer, simply select File and Page Setup, and select the Landscape option. If you are using Netscape, select File and Print and then the Properties button. Select the Landscape option and then OK.</p>
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<li class="panel"> <a href="#ans_14" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_14">Why does the page cut off when I print?</a>
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<li class="panel"> <a href="#ans_15" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_15">When I select the Fund Hyperlinks, why do I get a blank screen?</a>
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<p>If you double-click on the Fund Hyperlinks, the linked screen might be behind the current screen. All hyperlinks should be selected with a single mouse click.</p>
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<li class="panel"> <a href="#ans_16" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_16">When I request changes to my account how can I ensure my request has been processed?</a>
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<p>When you are requesting financial changes to your account, there will be a confirmation number displayed when the transaction is complete. Please make a note of the confirmation number.</p>
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<li class="panel"> <a href="#ans_17" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_17">Whom do I contact for questions?</a>
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<p>If you have any questions about this Web site please contact a Transamerica Retirement Solutions Representative at <a href="tel:+18007555801">800-755-5801</a> or send us an e-mail by using Contact Us in Help.</p>
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<li class="panel"> <a href="#ans_18" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_18">How soon can I expect a response from using Contact Us?</a>
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<p>Our standard response for most inquiries is within 24 hours.</p>
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<h3>Security</h3>
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<li class="panel"> <a href="#ans_19" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_19">How safe are Internet transmissions between my computer and My TRSRetire?</a>
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<p>Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).</p>
<p>As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.</p>
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<li class="panel"> <a href="#ans_20" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_20">What is 128-bit encryption or U.S. Security?</a>
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<p>To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.</p>
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<li class="panel"> <a href="#ans_21" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_21">What are digital certificates?</a>
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<p>Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.</p>
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<li class="panel"> <a href="#ans_22" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_22">What is Secure Socket Layer (SSL)?</a>
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<p>Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.</p>
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<li class="panel"> <a href="#ans_23" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_23">What is https://?</a>
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<p>While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.</p>
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<li class="panel"> <a href="#ans_24" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_24">Please explain the safety of My TRSRetire on the Internet in greater detail.</a>
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<p>Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.</p>
<p>All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.</p>
<p>Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.</p>
<p>My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.</p>
<p>Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.</p>
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<li class="panel"> <a href="#ans_25" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_25">Why is it important to use the Sign Out button to exit your account?</a>
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<p>Using the Sign Out button to exit will ensure the confidentially of your account.</p>
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<div role="tabpanel" class="tab-pane panel__glossary" id="glossary_tab">
<p> This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.</p>
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<dl>
<dt id="gloss_a">A</dt>
<dt><dfn>(Future) Allocations</dfn></dt>
<dd>To distribute a percentage of money to one or more funds.</dd>
<dt id="gloss_b">B</dt>
<dt><dfn>Back End Load</dfn></dt>
<dd>A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.</dd>
<dt><dfn>Bear Market</dfn></dt>
<dd>A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.</dd>
<dt><dfn>Benefits Administration</dfn></dt>
<dd>The implementation and coordination of an employee benefits plan.</dd>
<dt id="gloss_c">C <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Capital Gain</dfn></dt>
<dd>The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.</dd>
<dt><dfn>Closing Price</dfn></dt>
<dd>The price of the last transaction for a given security at the end of a given trading session.</dd>
<dt><dfn>Confirmation</dfn></dt>
<dd>A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).</dd>
<dt><dfn>Contribution Types</dfn></dt>
<dd>The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.</dd>
<dt><dfn>Contributions (Saving Rate)</dfn></dt>
<dd>A portion of an employee / participant's current salary that is invested in a retirement plan.</dd>
<dt id="gloss_d">D</dt>
<dt><dfn>Defined Contribution Plan</dfn></dt>
<dd>A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.</dd>
<dt><dfn>Defined Benefit Plan</dfn></dt>
<dd>A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.</dd>
<dt><dfn>Diversification</dfn></dt>
<dd>Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.</dd>
<dt id="gloss_e">E</dt>
<dt><dfn>Employee Stock Ownership Plan</dfn></dt>
<dd>A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.</dd>
<dt id="gloss_f">F <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Fiduciary</dfn></dt>
<dd>An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.</dd>
<dt><dfn>Front-End Load</dfn></dt>
<dd>A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.</dd>
<dt id="gloss_g">G</dt>
<dt><dfn>General Obligation Bond</dfn></dt>
<dd>A municipal bond secured by the taxing and borrowing power of the municipality issuing it.</dd>
<dt><dfn><abbr>GIC</abbr></dfn></dt>
<dd>Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.</dd>
<dt id="gloss_h">H</dt>
<dt><dfn>High-Grade Bond</dfn></dt>
<dd>A bond with a rating of AAA or AA, the two highest ratings.</dd>
<dt><dfn>Hedge Fund</dfn></dt>
<dd>A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).</dd>
<dt id="gloss_i">I <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>IRA</abbr></dfn></dt>
<dd>Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.</dd>
<dt><dfn>Investment Mix</dfn></dt>
<dd>The combination of all the funds in your investment portfolio.</dd>
<dt id="gloss_j">J</dt>
<dt><dfn>January Effect</dfn></dt>
<dd>Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.</dd>
<dt><dfn>Joint Life Annuity</dfn></dt>
<dd>An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.</dd>
<dt><dfn>Junk Bond</dfn></dt>
<dd>A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.</dd>
<dt id="gloss_k">K</dt>
<dt><dfn>Kappa</dfn></dt>
<dd>A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.</dd>
<dt><dfn>Keogh Plan</dfn></dt>
<dd>A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.</dd>
<dt><dfn>Key Person Insurance</dfn></dt>
<dd>Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.</dd>
<dt><dfn>Krugerrand</dfn></dt>
<dd>Gold coin minted by the Republic of South Africa.</dd>
<dt id="gloss_l">L <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Loan Note</dfn></dt>
<dd>A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.</dd>
<dt><dfn>Loan Schedule</dfn></dt>
<dd>A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.</dd>
<dt id="gloss_m">M</dt>
<dt><dfn>Matching Funds</dfn></dt>
<dd>A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.</dd>
<dt><dfn>Money Market Fund</dfn></dt>
<dd>A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.</dd>
<dt><dfn>Mutual Funds</dfn></dt>
<dd>Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.</dd>
<dt id="gloss_n">N</dt>
<dt><dfn>Nasdaq Composite Index</dfn></dt>
<dd>A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.</dd>
<dt><dfn>New York Stock Exchange (NYSE)</dfn></dt>
<dd>The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.</dd>
<dt id="gloss_o">O <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Obligation Bond</dfn></dt>
<dd>Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.</dd>
<dt><dfn>Offering</dfn></dt>
<dd>The making available of a new securities to the public through an underwriting. Also called public offering.</dd>
<dt><dfn>Online Trading</dfn></dt>
<dd>The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.</dd>
<dt><dfn>Option</dfn></dt>
<dd>The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.</dd>
<dt id="gloss_p">P</dt>
<dt><dfn><abbr>PCRA</abbr></dfn></dt>
<dd>(Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.</dd>
<dt><dfn>Pending Transfer</dfn></dt>
<dd>A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.</dd>
<dt id="gloss_q">Q</dt>
<dt><dfn>Qualified Retirement Plan</dfn></dt>
<dd>A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.</dd>
<dt><dfn>Quarterly Report</dfn></dt>
<dd>Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.</dd>
<dt id="gloss_r">R <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Rate of Return</dfn></dt>
<dd>The rate of return on an investment, expressed as a percent of the total amount invested.</dd>
<dt><dfn>Rebalance (Investment Mix)</dfn></dt>
<dd>The process of changing your current investment mix to a new Investment Mix.</dd>
<dt><dfn>Rollover</dfn></dt>
<dd>A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.</dd>
<dt id="gloss_s">S</dt>
<dt><dfn>Savings Bond</dfn></dt>
<dd>A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.</dd>
<dt><dfn>Sector Fund</dfn></dt>
<dd>A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.</dd>
<dt><dfn>Strategic Allocation Fund (Multi asset class)</dfn></dt>
<dd>A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.</dd>
<dt id="gloss_t">T</dt>
<dt><dfn>Tender Offer</dfn></dt>
<dd>A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.</dd>
<dt><dfn>Time Horizon</dfn></dt>
<dd>The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.</dd>
<dt><dfn>Transfer</dfn></dt>
<dd>A function that moves account balances between various funds.</dd>
<dt><dfn>Transreferance Number</dfn></dt>
<dd>A number assigned to each transaction, consisting of a current date and a sequential number within that date.</dd>
<dt id="gloss_u">U <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Undervalued</dfn></dt>
<dd>Something whose price is below its perceived value.</dd>
<dt><dfn>Unit Value (NAV)</dfn></dt>
<dd>The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.</dd>
<dt><dfn>Unrealized Loss</dfn></dt>
<dd>Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.</dd>
<dt><dfn>U.S. Treasury Securities</dfn></dt>
<dd>Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.</dd>
<dt id="gloss_v">V</dt>
<dt><dfn>Value Fund</dfn></dt>
<dd>A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).</dd>
<dt><dfn>Vesting</dfn></dt>
<dd>Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.</dd>
<dt id="gloss_w">W</dt>
<dt><dfn>Weak Dollar</dfn></dt>
<dd>Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.</dd>
<dt><dfn>Windfall</dfn></dt>
<dd>Money received which was not expected and not a direct result of something the recipient did.</dd>
<dt><dfn>World Bank</dfn></dt>
<dd>An organization whose focus is on foreign exchange reserves and the balance of trade.</dd>
<dt id="gloss_x">X <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>X</abbr> or <abbr>XD</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.</dd>
<dt><dfn><abbr>XR</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.</dd>
<dt><dfn><abbr>XW</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is ex-warrants.</dd>
<dt id="gloss_y">Y</dt>
<dt><dfn>Yield to Maturity</dfn></dt>
<dd>Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.</dd>
<dt><dfn>Yankee Bond Market</dfn></dt>
<dd>Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.</dd>
<dt id="gloss_z">Z </dt>
<dt><dfn>Zero-Coupon Bond</dfn></dt>
<dd>A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.</dd>
<dt><dfn>Zero-Coupon Convertible</dfn></dt>
<dd>A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.</dd>
<dt id="gloss_num"># <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>401(k) Plan</dfn></dt>
<dd>A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.</dd>
<dt><dfn>403(b) Plan</dfn></dt>
<dd>A defined contribution plan established by certain tax exempt organizations and public schools for their employees.</dd>
<dt><dfn>457 Plan</dfn></dt>
<dd>A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.</dd>
</dl>
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This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.
To see a word and its's definition, select a letter from the menu to go to that section of the alphabet.
- A
- (Future) Allocations
- To distribute a percentage of money to one or more funds.
- B
- Back End Load
- A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.
- Bear Market
- A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.
- Benefits Administration
- The implementation and coordination of an employee benefits plan.
- C back to top
- Capital Gain
- The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.
- Closing Price
- The price of the last transaction for a given security at the end of a given trading session.
- Confirmation
- A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).
- Contribution Types
- The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.
- Contributions (Saving Rate)
- A portion of an employee / participant's current salary that is invested in a retirement plan.
- D
- Defined Contribution Plan
- A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.
- Defined Benefit Plan
- A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.
- Diversification
- Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.
- E
- Employee Stock Ownership Plan
- A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.
- F back to top
- Fiduciary
- An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.
- Front-End Load
- A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.
- G
- General Obligation Bond
- A municipal bond secured by the taxing and borrowing power of the municipality issuing it.
- GIC
- Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.
- H
- High-Grade Bond
- A bond with a rating of AAA or AA, the two highest ratings.
- Hedge Fund
- A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).
- I back to top
- IRA
- Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.
- Investment Mix
- The combination of all the funds in your investment portfolio.
- J
- January Effect
- Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.
- Joint Life Annuity
- An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.
- Junk Bond
- A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.
- K
- Kappa
- A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.
- Keogh Plan
- A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.
- Key Person Insurance
- Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.
- Krugerrand
- Gold coin minted by the Republic of South Africa.
- L back to top
- Loan Note
- A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.
- Loan Schedule
- A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.
- M
- Matching Funds
- A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.
- Money Market Fund
- A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.
- Mutual Funds
- Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.
- N
- Nasdaq Composite Index
- A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.
- New York Stock Exchange (NYSE)
- The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.
- O back to top
- Obligation Bond
- Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.
- Offering
- The making available of a new securities to the public through an underwriting. Also called public offering.
- Online Trading
- The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.
- Option
- The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.
- P
- PCRA
- (Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.
- Pending Transfer
- A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.
- Q
- Qualified Retirement Plan
- A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.
- Quarterly Report
- Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.
- R back to top
- Rate of Return
- The rate of return on an investment, expressed as a percent of the total amount invested.
- Rebalance (Investment Mix)
- The process of changing your current investment mix to a new Investment Mix.
- Rollover
- A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.
- S
- Savings Bond
- A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.
- Sector Fund
- A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.
- Strategic Allocation Fund (Multi asset class)
- A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.
- T
- Tender Offer
- A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.
- Time Horizon
- The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.
- Transfer
- A function that moves account balances between various funds.
- Transreferance Number
- A number assigned to each transaction, consisting of a current date and a sequential number within that date.
- U back to top
- Undervalued
- Something whose price is below its perceived value.
- Unit Value (NAV)
- The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.
- Unrealized Loss
- Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.
- U.S. Treasury Securities
- Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.
- V
- Value Fund
- A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).
- Vesting
- Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.
- W
- Weak Dollar
- Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.
- Windfall
- Money received which was not expected and not a direct result of something the recipient did.
- World Bank
- An organization whose focus is on foreign exchange reserves and the balance of trade.
- X back to top
- X or XD
- A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.
- XR
- A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.
- XW
- A symbol used by newspapers to signify that a stock is ex-warrants.
- Y
- Yield to Maturity
- Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.
- Yankee Bond Market
- Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.
- Z
- Zero-Coupon Bond
- A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.
- Zero-Coupon Convertible
- A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.
- # back to top
- 401(k) Plan
- A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.
- 403(b) Plan
- A defined contribution plan established by certain tax exempt organizations and public schools for their employees.
- 457 Plan
- A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.
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<p class="status-note text-right">Last login: 10/25/2016 12:28 p.m. CST</p>
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<input type="checkbox" id="updateEmailCheck" name="check">
<label for="updateEmailCheck"><span role="checkbox"></span>Update my account(s) with this email address</label>
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<p class="horizontal-padding">Check the box for all future email correspondence to be sent to this email address, including electronic notifications for any services in which you are enrolled.</p>
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<label for="company">Employer:</label>
<input name="company" id="company" type="text" autocapitalize="off" autocorrect="off" autocomplete="organization" value="Milwaukee Electric Tool Corporation" disabled>
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<fieldset><legend class="label">Are you still employed here?</legend>
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<label for="employedYes" class="radio-inline"> <span role="radio"></span> Yes</label>
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<label for="acctNum">Account Number:</label>
<input name="acctNum" id="acctNum" type="text" autocapitalize="off" autocorrect="off" autocomplete="" pattern="\d*">
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<p>To view the answers to the following questions, select the link for that question.</p>
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<h3>Access</h3>
<ol class="number-list" id="faq_list_1">
<li class="panel"> <a href="#ans_1" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_1" id="q_1">Are there any special browser requirements to use My TRSRetire?</a>
<div role="tab" class="collapse" id="ans_1" aria-labelledby="q_1">
<p>My TRSRetire has been optimized to work best in Microsoft Internet Explorer (version 8.0 or higher), as well as Google Chrome, Mozilla Firefox, and Apple Safari. To check the current version of Internet Explorer, select HELP in your browser menu, then choose ABOUT INTERNET EXPLORER. You can download a free copy of the latest version of Microsoft Internet Explorer, Firefox, Safari or Chrome by clicking on the appropriate button below.</p>
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<p>Additionally, this website works best with a minimum version of Adobe Flash Player 9 and a browser with JavaScript enabled.</p>
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<li class="panel"> <a href="#ans_2" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_2" id="q_2">If I am going to dial into the Internet, how do I disable call waiting?</a>
<div role="tab" class="collapse" id="ans_2" aria-labelledby="q_2">
<p>Insert *70 in front of the telephone number in the phone number dialogue box on your computer prior to dialing OR press *70 on your telephone and hang up the phone. Call waiting will be disabled for the next outgoing call made on the phone line. Call waiting will not be disabled for any further calls unless *70, is dialed again.</p>
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<li class="panel"> <a href="#ans_3" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_3" id="q_3">Why do I have trouble signing in from work?</a>
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<p>You may be behind a corporate firewall at work. The firewall serves to enforce security policy on your network. Often, administrators restrict encrypted information, like your Transamerica account information, from entering networks. Verify your restrictions by contacting your network administrator.</p>
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<h3>Signing In</h3>
<ol class="number-list" id="faq_list_2">
<li class="panel"> <a href="#ans_4" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_4">I haven't established a Username/Password. How do I create one?</a>
<div role="tabpanel" class="collapse" id="ans_4">
<p>If you are a first time user select the GET STARTED button on the Sign In screen, it will take you to the Welcome Screen to create your Username and Password.</p>
</div>
</li>
<li class="panel"> <a href="#ans_5" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_5">Why does My TRSRetire offer the option to use Username or Social Security Number for Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_5">
<p>Your personal information is very important to us. My TRSRetire offers the option of using either Username or Social Security Number for additional security.</p>
</div>
</li>
<li class="panel"> <a href="#ans_9" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_9">How can I change my Username?</a>
<div role="tabpanel" class="collapse" id="ans_9">
<p>Select the change Username option in the Manage Profile section. You will be able to create a new Username or use your Social Security Number as your Username.</p>
</div>
</li>
<li class="panel"> <a href="#ans_10" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_10">What if I forgot my Username?</a>
<div role="tabpanel" class="collapse" id="ans_10">
<p>Use your Social Security Number if you do not remember your Username.</p>
</div>
</li>
<li class="panel"> <a href="#ans_6" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_6">What if I forgot my password?</a>
<div role="tabpanel" class="collapse" id="ans_6">
<p>Select the 'Lost your ID or password?' link on the Sign In screen. You will be required to enter your social security or username to have your password hint emailed to you. If you still do not remember your password, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative.</p>
</div>
</li>
<li class="panel"> <a href="#ans_7" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_7">How do I change my password?</a>
<div role="tabpanel" class="collapse" id="ans_7">
<p>Select the 'Change Password' option in the Manage Profile section.</p>
</div>
</li>
<li class="panel"> <a href="#ans_8" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_8">Why doesn't my password work when I try to Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_8">
<p>Make sure that you are entering your correct Username or Social Security Number and Password. If you are still unable to Sign In, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative or send us an email using Contact Us in Help.</p>
<div class="alert alert-caution">
<div class="alert-icon"><span class="trs-icons-alert-caution alert-icon-size" role="presentation"></span></div>
<div class="alert-message"> <strong>Note:</strong>
<p>After three unsuccessful Sign In attempts, your account will be disabled.</p>
</div>
</div>
</div>
</li>
</ol>
</li>
<li class="js-faq-group">
<h3>Service</h3>
<ol class="number-list" id="faq_list_3">
<li class="panel"> <a href="#ans_11" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_11">What services does My TRSRetire provide?</a>
<div role="tabpanel" class="collapse" id="ans_11">
<p>My TRSRetire provides you with detailed fund information, transaction history, historical account balances and unit values. You also have access to online investment fund transfers and investment fund allocation changes as long as your plan doesn't have any special fund restrictions.</p>
</div>
</li>
<li class="panel"> <a href="#ans_12" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_12">When is My TRSRetire available?</a>
<div role="tabpanel" class="collapse" id="ans_12">
<p>My TRSRetire is accessible 24 hours a day, 7 days a week.</p>
</div>
</li>
<li class="panel"> <a href="#ans_13" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_13">Can I print the information from My TRSRetire that appears on my monitor?</a>
<div role="tabpanel" class="collapse" id="ans_13">
<p>Yes, you can print any screen using the supported Internet browsers. In Internet Explorer or Netscape, select FILE in your browser menu and then select PRINT. Make sure that you have the right printer selected before sending the file to the printer. If there is a print button available on the page, use the print button.</p>
<div class="alert alert-info">
<div class="alert-icon"><span class="trs-icons-alert-info alert-icon-size" role="presentation"></span></div>
<div class="alert-message"> <strong>Note:</strong>
<p>Some screens will require you to print landscape in order to view all of the information on the screen. To do this in Internet Explorer, simply select File and Page Setup, and select the Landscape option. If you are using Netscape, select File and Print and then the Properties button. Select the Landscape option and then OK.</p>
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</div>
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</li>
<li class="panel"> <a href="#ans_14" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_14">Why does the page cut off when I print?</a>
<div role="tabpanel" class="collapse" id="ans_14">
<p>Some pages may be too wide to print with your paper orientation set to PORTRAIT.</p>
<p>To change your paper orientation in Internet Explorer, select FILE on your browser menu and then select PAGE SETUP. In the lower left corner select LANDSCAPE and then select OK. When you are ready to print, select FILE on your browser menu then select PRINT. This setting should remain in effect until you change it.</p>
<p>To change your paper orientation in Netscape, wait until you are ready to print. When ready, select FILE on your browser menu and then select PRINT. After choosing your printer from the dropdown box, select PROPERTIES. Make sure that the PAPER tab is selected at the Select LANDSCAPE and then select OK. Select OK to print. This setting should remain in effect until you change it.</p>
</div>
</li>
<li class="panel"> <a href="#ans_15" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_15">When I select the Fund Hyperlinks, why do I get a blank screen?</a>
<div role="tabpanel" class="collapse" id="ans_15">
<p>If you double-click on the Fund Hyperlinks, the linked screen might be behind the current screen. All hyperlinks should be selected with a single mouse click.</p>
</div>
</li>
<li class="panel"> <a href="#ans_16" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_16">When I request changes to my account how can I ensure my request has been processed?</a>
<div role="tabpanel" class="collapse" id="ans_16">
<p>When you are requesting financial changes to your account, there will be a confirmation number displayed when the transaction is complete. Please make a note of the confirmation number.</p>
</div>
</li>
<li class="panel"> <a href="#ans_17" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_17">Whom do I contact for questions?</a>
<div role="tabpanel" class="collapse" id="ans_17">
<p>If you have any questions about this Web site please contact a Transamerica Retirement Solutions Representative at <a href="tel:+18007555801">800-755-5801</a> or send us an e-mail by using Contact Us in Help.</p>
</div>
</li>
<li class="panel"> <a href="#ans_18" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_18">How soon can I expect a response from using Contact Us?</a>
<div role="tabpanel" class="collapse" id="ans_18">
<p>Our standard response for most inquiries is within 24 hours.</p>
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</li>
</ol>
</li>
<li class="js-faq-group">
<h3>Security</h3>
<ol class="number-list" id="faq_list_4">
<li class="panel"> <a href="#ans_19" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_19">How safe are Internet transmissions between my computer and My TRSRetire?</a>
<div role="tabpanel" class="collapse" id="ans_19">
<p>Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).</p>
<p>As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.</p>
</div>
</li>
<li class="panel"> <a href="#ans_20" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_20">What is 128-bit encryption or U.S. Security?</a>
<div role="tabpanel" class="collapse" id="ans_20">
<p>To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.</p>
</div>
</li>
<li class="panel"> <a href="#ans_21" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_21">What are digital certificates?</a>
<div role="tabpanel" class="collapse" id="ans_21">
<p>Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.</p>
</div>
</li>
<li class="panel"> <a href="#ans_22" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_22">What is Secure Socket Layer (SSL)?</a>
<div role="tabpanel" class="collapse" id="ans_22">
<p>Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.</p>
</div>
</li>
<li class="panel"> <a href="#ans_23" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_23">What is https://?</a>
<div role="tabpanel" class="collapse" id="ans_23">
<p>While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.</p>
</div>
</li>
<li class="panel"> <a href="#ans_24" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_24">Please explain the safety of My TRSRetire on the Internet in greater detail.</a>
<div role="tabpanel" class="collapse" id="ans_24">
<p>Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.</p>
<p>All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.</p>
<p>Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.</p>
<p>My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.</p>
<p>Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.</p>
</div>
</li>
<li class="panel"> <a href="#ans_25" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_25">Why is it important to use the Sign Out button to exit your account?</a>
<div role="tabpanel" class="collapse" id="ans_25">
<p>Using the Sign Out button to exit will ensure the confidentially of your account.</p>
</div>
</li>
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<div role="tabpanel" class="tab-pane panel__glossary" id="glossary_tab">
<p> This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.</p>
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<li><a href="#gloss_a" role="navigation" class="navbar-btn js-gloss-scroll">A</a></li>
<li><a href="#gloss_b" role="navigation" class="navbar-btn js-gloss-scroll">B</a></li>
<li><a href="#gloss_c" role="navigation" class="navbar-btn js-gloss-scroll">C</a></li>
<li><a href="#gloss_d" role="navigation" class="navbar-btn js-gloss-scroll">D</a></li>
<li><a href="#gloss_e" role="navigation" class="navbar-btn js-gloss-scroll">E</a></li>
<li><a href="#gloss_f" role="navigation" class="navbar-btn js-gloss-scroll">F</a></li>
<li><a href="#gloss_g" role="navigation" class="navbar-btn js-gloss-scroll">G</a></li>
<li><a href="#gloss_h" role="navigation" class="navbar-btn js-gloss-scroll">H</a></li>
<li><a href="#gloss_i" role="navigation" class="navbar-btn js-gloss-scroll">I</a></li>
<li><a href="#gloss_j" role="navigation" class="navbar-btn js-gloss-scroll">J</a></li>
<li><a href="#gloss_k" role="navigation" class="navbar-btn js-gloss-scroll">K</a></li>
<li><a href="#gloss_l" role="navigation" class="navbar-btn js-gloss-scroll">L</a></li>
<li><a href="#gloss_m" role="navigation" class="navbar-btn js-gloss-scroll">M</a></li>
<li><a href="#gloss_n" role="navigation" class="navbar-btn js-gloss-scroll">N</a></li>
<li><a href="#gloss_o" role="navigation" class="navbar-btn js-gloss-scroll">O</a></li>
<li><a href="#gloss_p" role="navigation" class="navbar-btn js-gloss-scroll">P</a></li>
<li><a href="#gloss_q" role="navigation" class="navbar-btn js-gloss-scroll">Q</a></li>
<li><a href="#gloss_r" role="navigation" class="navbar-btn js-gloss-scroll">R</a></li>
<li><a href="#gloss_s" role="navigation" class="navbar-btn js-gloss-scroll">S</a></li>
<li><a href="#gloss_t" role="navigation" class="navbar-btn js-gloss-scroll">T</a></li>
<li><a href="#gloss_u" role="navigation" class="navbar-btn js-gloss-scroll">U</a></li>
<li><a href="#gloss_v" role="navigation" class="navbar-btn js-gloss-scroll">V</a></li>
<li><a href="#gloss_w" role="navigation" class="navbar-btn js-gloss-scroll">W</a></li>
<li><a href="#gloss_x" role="navigation" class="navbar-btn js-gloss-scroll">X</a></li>
<li><a href="#gloss_y" role="navigation" class="navbar-btn js-gloss-scroll">Y</a></li>
<li><a href="#gloss_z" role="navigation" class="navbar-btn js-gloss-scroll">Z</a></li>
<li><a href="#gloss_num" role="navigation" class="navbar-btn js-gloss-scroll">#</a></li>
</ul>
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</nav>
<dl>
<dt id="gloss_a">A</dt>
<dt><dfn>(Future) Allocations</dfn></dt>
<dd>To distribute a percentage of money to one or more funds.</dd>
<dt id="gloss_b">B</dt>
<dt><dfn>Back End Load</dfn></dt>
<dd>A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.</dd>
<dt><dfn>Bear Market</dfn></dt>
<dd>A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.</dd>
<dt><dfn>Benefits Administration</dfn></dt>
<dd>The implementation and coordination of an employee benefits plan.</dd>
<dt id="gloss_c">C <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Capital Gain</dfn></dt>
<dd>The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.</dd>
<dt><dfn>Closing Price</dfn></dt>
<dd>The price of the last transaction for a given security at the end of a given trading session.</dd>
<dt><dfn>Confirmation</dfn></dt>
<dd>A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).</dd>
<dt><dfn>Contribution Types</dfn></dt>
<dd>The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.</dd>
<dt><dfn>Contributions (Saving Rate)</dfn></dt>
<dd>A portion of an employee / participant's current salary that is invested in a retirement plan.</dd>
<dt id="gloss_d">D</dt>
<dt><dfn>Defined Contribution Plan</dfn></dt>
<dd>A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.</dd>
<dt><dfn>Defined Benefit Plan</dfn></dt>
<dd>A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.</dd>
<dt><dfn>Diversification</dfn></dt>
<dd>Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.</dd>
<dt id="gloss_e">E</dt>
<dt><dfn>Employee Stock Ownership Plan</dfn></dt>
<dd>A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.</dd>
<dt id="gloss_f">F <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Fiduciary</dfn></dt>
<dd>An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.</dd>
<dt><dfn>Front-End Load</dfn></dt>
<dd>A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.</dd>
<dt id="gloss_g">G</dt>
<dt><dfn>General Obligation Bond</dfn></dt>
<dd>A municipal bond secured by the taxing and borrowing power of the municipality issuing it.</dd>
<dt><dfn><abbr>GIC</abbr></dfn></dt>
<dd>Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.</dd>
<dt id="gloss_h">H</dt>
<dt><dfn>High-Grade Bond</dfn></dt>
<dd>A bond with a rating of AAA or AA, the two highest ratings.</dd>
<dt><dfn>Hedge Fund</dfn></dt>
<dd>A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).</dd>
<dt id="gloss_i">I <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>IRA</abbr></dfn></dt>
<dd>Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.</dd>
<dt><dfn>Investment Mix</dfn></dt>
<dd>The combination of all the funds in your investment portfolio.</dd>
<dt id="gloss_j">J</dt>
<dt><dfn>January Effect</dfn></dt>
<dd>Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.</dd>
<dt><dfn>Joint Life Annuity</dfn></dt>
<dd>An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.</dd>
<dt><dfn>Junk Bond</dfn></dt>
<dd>A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.</dd>
<dt id="gloss_k">K</dt>
<dt><dfn>Kappa</dfn></dt>
<dd>A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.</dd>
<dt><dfn>Keogh Plan</dfn></dt>
<dd>A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.</dd>
<dt><dfn>Key Person Insurance</dfn></dt>
<dd>Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.</dd>
<dt><dfn>Krugerrand</dfn></dt>
<dd>Gold coin minted by the Republic of South Africa.</dd>
<dt id="gloss_l">L <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Loan Note</dfn></dt>
<dd>A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.</dd>
<dt><dfn>Loan Schedule</dfn></dt>
<dd>A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.</dd>
<dt id="gloss_m">M</dt>
<dt><dfn>Matching Funds</dfn></dt>
<dd>A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.</dd>
<dt><dfn>Money Market Fund</dfn></dt>
<dd>A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.</dd>
<dt><dfn>Mutual Funds</dfn></dt>
<dd>Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.</dd>
<dt id="gloss_n">N</dt>
<dt><dfn>Nasdaq Composite Index</dfn></dt>
<dd>A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.</dd>
<dt><dfn>New York Stock Exchange (NYSE)</dfn></dt>
<dd>The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.</dd>
<dt id="gloss_o">O <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Obligation Bond</dfn></dt>
<dd>Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.</dd>
<dt><dfn>Offering</dfn></dt>
<dd>The making available of a new securities to the public through an underwriting. Also called public offering.</dd>
<dt><dfn>Online Trading</dfn></dt>
<dd>The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.</dd>
<dt><dfn>Option</dfn></dt>
<dd>The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.</dd>
<dt id="gloss_p">P</dt>
<dt><dfn><abbr>PCRA</abbr></dfn></dt>
<dd>(Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.</dd>
<dt><dfn>Pending Transfer</dfn></dt>
<dd>A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.</dd>
<dt id="gloss_q">Q</dt>
<dt><dfn>Qualified Retirement Plan</dfn></dt>
<dd>A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.</dd>
<dt><dfn>Quarterly Report</dfn></dt>
<dd>Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.</dd>
<dt id="gloss_r">R <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Rate of Return</dfn></dt>
<dd>The rate of return on an investment, expressed as a percent of the total amount invested.</dd>
<dt><dfn>Rebalance (Investment Mix)</dfn></dt>
<dd>The process of changing your current investment mix to a new Investment Mix.</dd>
<dt><dfn>Rollover</dfn></dt>
<dd>A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.</dd>
<dt id="gloss_s">S</dt>
<dt><dfn>Savings Bond</dfn></dt>
<dd>A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.</dd>
<dt><dfn>Sector Fund</dfn></dt>
<dd>A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.</dd>
<dt><dfn>Strategic Allocation Fund (Multi asset class)</dfn></dt>
<dd>A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.</dd>
<dt id="gloss_t">T</dt>
<dt><dfn>Tender Offer</dfn></dt>
<dd>A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.</dd>
<dt><dfn>Time Horizon</dfn></dt>
<dd>The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.</dd>
<dt><dfn>Transfer</dfn></dt>
<dd>A function that moves account balances between various funds.</dd>
<dt><dfn>Transreferance Number</dfn></dt>
<dd>A number assigned to each transaction, consisting of a current date and a sequential number within that date.</dd>
<dt id="gloss_u">U <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Undervalued</dfn></dt>
<dd>Something whose price is below its perceived value.</dd>
<dt><dfn>Unit Value (NAV)</dfn></dt>
<dd>The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.</dd>
<dt><dfn>Unrealized Loss</dfn></dt>
<dd>Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.</dd>
<dt><dfn>U.S. Treasury Securities</dfn></dt>
<dd>Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.</dd>
<dt id="gloss_v">V</dt>
<dt><dfn>Value Fund</dfn></dt>
<dd>A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).</dd>
<dt><dfn>Vesting</dfn></dt>
<dd>Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.</dd>
<dt id="gloss_w">W</dt>
<dt><dfn>Weak Dollar</dfn></dt>
<dd>Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.</dd>
<dt><dfn>Windfall</dfn></dt>
<dd>Money received which was not expected and not a direct result of something the recipient did.</dd>
<dt><dfn>World Bank</dfn></dt>
<dd>An organization whose focus is on foreign exchange reserves and the balance of trade.</dd>
<dt id="gloss_x">X <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>X</abbr> or <abbr>XD</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.</dd>
<dt><dfn><abbr>XR</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.</dd>
<dt><dfn><abbr>XW</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is ex-warrants.</dd>
<dt id="gloss_y">Y</dt>
<dt><dfn>Yield to Maturity</dfn></dt>
<dd>Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.</dd>
<dt><dfn>Yankee Bond Market</dfn></dt>
<dd>Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.</dd>
<dt id="gloss_z">Z </dt>
<dt><dfn>Zero-Coupon Bond</dfn></dt>
<dd>A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.</dd>
<dt><dfn>Zero-Coupon Convertible</dfn></dt>
<dd>A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.</dd>
<dt id="gloss_num"># <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>401(k) Plan</dfn></dt>
<dd>A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.</dd>
<dt><dfn>403(b) Plan</dfn></dt>
<dd>A defined contribution plan established by certain tax exempt organizations and public schools for their employees.</dd>
<dt><dfn>457 Plan</dfn></dt>
<dd>A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.</dd>
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Security
- How safe are Internet transmissions between my computer and My TRSRetire?
Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).
As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.
- What is 128-bit encryption or U.S. Security?
To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.
- What are digital certificates?
Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.
- What is Secure Socket Layer (SSL)?
Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.
- What is https://?
While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.
- Please explain the safety of My TRSRetire on the Internet in greater detail.
Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.
All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.
Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.
My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.
Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.
- Why is it important to use the Sign Out button to exit your account?
Using the Sign Out button to exit will ensure the confidentially of your account.
- How safe are Internet transmissions between my computer and My TRSRetire?
This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.
To see a word and its's definition, select a letter from the menu to go to that section of the alphabet.
- A
- (Future) Allocations
- To distribute a percentage of money to one or more funds.
- B
- Back End Load
- A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.
- Bear Market
- A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.
- Benefits Administration
- The implementation and coordination of an employee benefits plan.
- C back to top
- Capital Gain
- The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.
- Closing Price
- The price of the last transaction for a given security at the end of a given trading session.
- Confirmation
- A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).
- Contribution Types
- The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.
- Contributions (Saving Rate)
- A portion of an employee / participant's current salary that is invested in a retirement plan.
- D
- Defined Contribution Plan
- A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.
- Defined Benefit Plan
- A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.
- Diversification
- Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.
- E
- Employee Stock Ownership Plan
- A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.
- F back to top
- Fiduciary
- An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.
- Front-End Load
- A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.
- G
- General Obligation Bond
- A municipal bond secured by the taxing and borrowing power of the municipality issuing it.
- GIC
- Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.
- H
- High-Grade Bond
- A bond with a rating of AAA or AA, the two highest ratings.
- Hedge Fund
- A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).
- I back to top
- IRA
- Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.
- Investment Mix
- The combination of all the funds in your investment portfolio.
- J
- January Effect
- Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.
- Joint Life Annuity
- An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.
- Junk Bond
- A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.
- K
- Kappa
- A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.
- Keogh Plan
- A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.
- Key Person Insurance
- Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.
- Krugerrand
- Gold coin minted by the Republic of South Africa.
- L back to top
- Loan Note
- A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.
- Loan Schedule
- A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.
- M
- Matching Funds
- A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.
- Money Market Fund
- A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.
- Mutual Funds
- Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.
- N
- Nasdaq Composite Index
- A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.
- New York Stock Exchange (NYSE)
- The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.
- O back to top
- Obligation Bond
- Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.
- Offering
- The making available of a new securities to the public through an underwriting. Also called public offering.
- Online Trading
- The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.
- Option
- The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.
- P
- PCRA
- (Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.
- Pending Transfer
- A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.
- Q
- Qualified Retirement Plan
- A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.
- Quarterly Report
- Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.
- R back to top
- Rate of Return
- The rate of return on an investment, expressed as a percent of the total amount invested.
- Rebalance (Investment Mix)
- The process of changing your current investment mix to a new Investment Mix.
- Rollover
- A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.
- S
- Savings Bond
- A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.
- Sector Fund
- A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.
- Strategic Allocation Fund (Multi asset class)
- A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.
- T
- Tender Offer
- A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.
- Time Horizon
- The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.
- Transfer
- A function that moves account balances between various funds.
- Transreferance Number
- A number assigned to each transaction, consisting of a current date and a sequential number within that date.
- U back to top
- Undervalued
- Something whose price is below its perceived value.
- Unit Value (NAV)
- The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.
- Unrealized Loss
- Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.
- U.S. Treasury Securities
- Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.
- V
- Value Fund
- A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).
- Vesting
- Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.
- W
- Weak Dollar
- Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.
- Windfall
- Money received which was not expected and not a direct result of something the recipient did.
- World Bank
- An organization whose focus is on foreign exchange reserves and the balance of trade.
- X back to top
- X or XD
- A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.
- XR
- A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.
- XW
- A symbol used by newspapers to signify that a stock is ex-warrants.
- Y
- Yield to Maturity
- Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.
- Yankee Bond Market
- Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.
- Z
- Zero-Coupon Bond
- A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.
- Zero-Coupon Convertible
- A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.
- # back to top
- 401(k) Plan
- A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.
- 403(b) Plan
- A defined contribution plan established by certain tax exempt organizations and public schools for their employees.
- 457 Plan
- A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.
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<div class="print-info-line2">INSERT LAST DATA UPDATE AT: HERE.</div>
<div class="print-info-line3">Date Printed: 04/10/16</div>
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</a>
</li>
</ul>
</li>
<!-- /Review -->
<!-- Manage -->
<li>
<a href="#nav_manage" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-settings" aria-hidden="true"></span>
Manage
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_manage">
<li>
<a href="#url" class="list-group-item selected">
Current Investments
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Future Allocations
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Transfers
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
PortfolioXpress®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Rollovers
</a>
</li>
</ul>
</li>
<!-- /Manage -->
<!-- Are You OnTrack®? -->
<li>
<a href="#nav_ontrack" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-on-track" aria-hidden="true"></span>
Are You OnTrack®?
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_ontrack">
<li>
<a href="#url" class="list-group-item selected">
Your Retirement Outlook®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Brighten Your Outlook®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Profile and Goals
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Retirement Accounts
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Retirement Incomes
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Budget and Withdrawals
</a>
</li>
</ul>
</li>
<!-- /Are You OnTrack®? -->
<!-- Resource Center -->
<li>
<a href="#nav_resources" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon glyphicon glyphicon-dashboard" aria-hidden="true"></span>
Resource Center
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_resources">
<li>
<a href="#url" class="list-group-item selected">
Calculators
</a>
</li>
</ul>
</li>
<!-- /Resource Center -->
<!-- Contact Us -->
<!--li>
<a href="#nav_contact" class="list-group-item nav--primary__head nav--primary__contact" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-phone-ring" aria-hidden="true"></span>
Contact Us
<span class="trs-utility--light">1-800-755-5801</span>
</a>
</li-->
<!-- /Contact Us -->
</ul>
</div>
</div>
</div>
</nav>
<!-- /Main Nav -->
</nav>
</div>
<!-- /sidebar -->
<!-- main area & col-xs-12 -->
<div class="non-responsive-swipe">
<div class="col-xs-12 col-sm-12 col-md-9 left-content-border right_panel">
<main class="row" id="main_content">
<!-- Begin "body" -->
<div class="col-xs-12 ">
<!-- YOUR CODE STARTS HERE. REMOVE THIS COMMENT AFTERWARDS. -->
<h1>SSO Captcha</h1>
<!--START CAPTCHA-->
<div class="captcha-container">
<div class="wm-script pt-script pm-video l-eng" id="nucaptcha-player">
<div id="media-container"> <img onclick="javascript:ncOnVideoClick();" alt="NuCaptcha Media" src="https://api-us-east-1.nd.nudatasecurity.com/1.0/w/43876/w-259375/captcha?type=VIDEO&lang=eng&index=0&token=1.w-259375.1.2.QYnqiLliZ9Jer86xP_Ajkg,,.b7mKcbcoZybmKCzFFbK6NpPonFGJMNEqrJkSBWSwRBBR0U0gOc4Kgby1UUnrJdzh-R_bndy49l3ro-MpKvCDS0v0JxO9HBzNWZ-XPezSC5iOzPZwCE-3nybS8CUdkZhfM56qV-doZwqmWin2kKW0N9rXmQaWsENDJVgku0G0Pyd9g8ZvbC_GtXksnHkzd1strJOWNGaIy_VhM-I81HhNDl_pjTcsLB_Bq9ICUzARVI_ii5XqFir0iA_V5JclMcQrKeZs15KkL4Hj9mAI8fMgHSXGbnoys1lUAMUyTLp37oPfeGUv4TLhpk08J6W1y647hWAhCMGVTy356WVQp7nVN9r7pq2tUvwNUiEvNa-PStQ37gtjpFyNFAZW1xjq5MaG&r=rs-ZPRaYK6Lo4mTZ6C0Uq0aGwxx&ptype=SCRIPT" title="Type the Moving Letters" onerror="ncOnGifError()" onload="ncOnGifLoaded()" class="" id="nucaptcha-media"> </div>
<div class="btnContainer"><a href="javascript:ncCmdNewChallenge('');" class="cmd" title="Get A New Challenge" id="new-challenge">Get A New Challenge</a> <a href="javascript:ncCmdToggleAudio('');" class="cmd toggle" title="Toggle Audio/Video Challenge" id="player-mode">Toggle Audio/Video Challenge</a> <a href="#" class="help" data-toggle="tooltip" title="The NuCaptcha code is used to help protect against unauthorized use of the Transamerica website. Please follow the above instructions to obtain a NuCaptcha code and continue the verification process." id="help">Help</a></div>
<div id="my-nucaptcha-answer-wrapper">
<label for="nucaptcha-answer" id="directions-verbose-label">Type the Moving Letters</label>
<input type="text" autocomplete="off" maxlength="64" onclick="ncCmdClickAnswerBox('');" onchange="ncCmdLeaveAnswerBox('');" onfocus="ncCmdEnterAnswerBox('');" onblur="ncCmdLeaveAnswerBox('');" title="" name="nucaptcha-answer" id="nucaptcha-answer">
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<div id="private-container">
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</div>
</div>
<!--END CAPTCHA-->
<hr class="margin-top-lg margin-bottom-lg">
<!--START AUDIO CAPTCHA-->
<div class="captcha-container">
<div class="wm-script pt-script pm-audio l-eng" id="nucaptcha-player">
<div id="media-container">
<a href="javascript:ncCmdRefresh('');" class="cmd-audio" id="audio-listen-again"> Replay Audio Sample </a>
<a href="javascript:ncCmdNewChallenge('');" class="cmd-audio" id="audio-new-challenge"> Get A New Challenge </a>
<a href="#" class="help" data-toggle="tooltip" title="The NuCaptcha code is used to help protect against unauthorized use of the Transamerica website. Please follow the above instructions to obtain a NuCaptcha code and continue the verification process." id="help">Help</a>
<audio autoplay id="nucaptcha-media">
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<div id="my-nucaptcha-answer-wrapper">
<label for="nucaptcha-answer" id="directions-verbose-label">Type the Letters You Hear in the Audio</label>
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</div>
</div>
</div>
<!--END AUDIO CAPTCHA-->
<!--JS FOR TOOLTIP-->
<script>
$(function () {
$('[data-toggle="tooltip"]').tooltip()
})
</script>
<!--CSS FOR CAPTCHA-->
<style>
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display:none;
}
.captcha-container #audio-download {
display:none;
}
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background-attachment: scroll;
background-color: transparent;
background-image: url("https://s3.amazonaws.com/staticd.nucaptcha.com/33376/v6/skins/default/master.png");
background-position: 0 -64px;
background-repeat: no-repeat no-repeat;
display: inline-block;
height: 30px;
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position: relative;
text-indent: -10000px;
width: 30px;
z-index: 3;
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background-position: -64px -64px;
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text-indent: -10000px;
width: 30px;
z-index: 3;
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background-position: -64px -128px;
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background-color: transparent;
background-image: url("https://s3.amazonaws.com/staticd.nucaptcha.com/33376/v6/skins/default/master.png");
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text-indent: -10000px;
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z-index: 3;
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text-indent: -10000px;
width: 30px;
z-index: 3;
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background-position: -64px -256px;
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color: #4a4a4a;
font-family: "Open Sans",sans-serif;
font-size: 16px;
font-weight: bold;
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content: "*";
vertical-align: super;
color: red;
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background-color: #fff;
background-image: none;
border: 1px solid #ccc;
border-radius: 4px;
box-shadow: 0 1px 1px rgba(0, 0, 0, 0.075) inset;
color: #555;
display: block;
font-size: 14px;
height: 34px;
line-height: 1.42857;
padding: 6px 12px;
transition: border-color 0.15s ease-in-out 0s, box-shadow 0.15s ease-in-out 0s;
width: 100%;
}
</style>
<!-- /YOUR CODE ENDS HERE. REMOVE THIS COMMENT AFTERWARDS. -->
</div>
<!-- End "body" -->
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<div class="container-fluid bg-gray-light-5 sso-footer row">
<div class="row">
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<h3 class="trs-footer__subhead ta-footer__socialmedia--heading"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:headline[1]"} -->Follow Us</h3>
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<li class="panel"> <a href="#ans_2" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_2" id="q_2">If I am going to dial into the Internet, how do I disable call waiting?</a>
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<p>Insert *70 in front of the telephone number in the phone number dialogue box on your computer prior to dialing OR press *70 on your telephone and hang up the phone. Call waiting will be disabled for the next outgoing call made on the phone line. Call waiting will not be disabled for any further calls unless *70, is dialed again.</p>
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<li class="panel"> <a href="#ans_3" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_3" id="q_3">Why do I have trouble signing in from work?</a>
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<p>You may be behind a corporate firewall at work. The firewall serves to enforce security policy on your network. Often, administrators restrict encrypted information, like your Transamerica account information, from entering networks. Verify your restrictions by contacting your network administrator.</p>
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<h3>Signing In</h3>
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<li class="panel"> <a href="#ans_4" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_4">I haven't established a Username/Password. How do I create one?</a>
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<p>If you are a first time user select the GET STARTED button on the Sign In screen, it will take you to the Welcome Screen to create your Username and Password.</p>
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<li class="panel"> <a href="#ans_5" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_5">Why does My TRSRetire offer the option to use Username or Social Security Number for Sign In?</a>
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<p>Your personal information is very important to us. My TRSRetire offers the option of using either Username or Social Security Number for additional security.</p>
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<li class="panel"> <a href="#ans_9" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_9">How can I change my Username?</a>
<div role="tabpanel" class="collapse" id="ans_9">
<p>Select the change Username option in the Manage Profile section. You will be able to create a new Username or use your Social Security Number as your Username.</p>
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<li class="panel"> <a href="#ans_10" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_10">What if I forgot my Username?</a>
<div role="tabpanel" class="collapse" id="ans_10">
<p>Use your Social Security Number if you do not remember your Username.</p>
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<li class="panel"> <a href="#ans_6" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_6">What if I forgot my password?</a>
<div role="tabpanel" class="collapse" id="ans_6">
<p>Select the 'Lost your ID or password?' link on the Sign In screen. You will be required to enter your social security or username to have your password hint emailed to you. If you still do not remember your password, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative.</p>
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<li class="panel"> <a href="#ans_7" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_7">How do I change my password?</a>
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<p>Select the 'Change Password' option in the Manage Profile section.</p>
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<li class="panel"> <a href="#ans_8" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_8">Why doesn't my password work when I try to Sign In?</a>
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<p>Make sure that you are entering your correct Username or Social Security Number and Password. If you are still unable to Sign In, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative or send us an email using Contact Us in Help.</p>
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<li class="panel"> <a href="#ans_11" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_11">What services does My TRSRetire provide?</a>
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<p>My TRSRetire provides you with detailed fund information, transaction history, historical account balances and unit values. You also have access to online investment fund transfers and investment fund allocation changes as long as your plan doesn't have any special fund restrictions.</p>
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<li class="panel"> <a href="#ans_12" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_12">When is My TRSRetire available?</a>
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<p>My TRSRetire is accessible 24 hours a day, 7 days a week.</p>
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<li class="panel"> <a href="#ans_13" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_13">Can I print the information from My TRSRetire that appears on my monitor?</a>
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<p>Yes, you can print any screen using the supported Internet browsers. In Internet Explorer or Netscape, select FILE in your browser menu and then select PRINT. Make sure that you have the right printer selected before sending the file to the printer. If there is a print button available on the page, use the print button.</p>
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<p>Some screens will require you to print landscape in order to view all of the information on the screen. To do this in Internet Explorer, simply select File and Page Setup, and select the Landscape option. If you are using Netscape, select File and Print and then the Properties button. Select the Landscape option and then OK.</p>
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<li class="panel"> <a href="#ans_14" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_14">Why does the page cut off when I print?</a>
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<p>Some pages may be too wide to print with your paper orientation set to PORTRAIT.</p>
<p>To change your paper orientation in Internet Explorer, select FILE on your browser menu and then select PAGE SETUP. In the lower left corner select LANDSCAPE and then select OK. When you are ready to print, select FILE on your browser menu then select PRINT. This setting should remain in effect until you change it.</p>
<p>To change your paper orientation in Netscape, wait until you are ready to print. When ready, select FILE on your browser menu and then select PRINT. After choosing your printer from the dropdown box, select PROPERTIES. Make sure that the PAPER tab is selected at the Select LANDSCAPE and then select OK. Select OK to print. This setting should remain in effect until you change it.</p>
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<li class="panel"> <a href="#ans_15" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_15">When I select the Fund Hyperlinks, why do I get a blank screen?</a>
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<p>If you double-click on the Fund Hyperlinks, the linked screen might be behind the current screen. All hyperlinks should be selected with a single mouse click.</p>
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<li class="panel"> <a href="#ans_16" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_16">When I request changes to my account how can I ensure my request has been processed?</a>
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<p>When you are requesting financial changes to your account, there will be a confirmation number displayed when the transaction is complete. Please make a note of the confirmation number.</p>
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<li class="panel"> <a href="#ans_17" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_17">Whom do I contact for questions?</a>
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<p>If you have any questions about this Web site please contact a Transamerica Retirement Solutions Representative at <a href="tel:+18007555801">800-755-5801</a> or send us an e-mail by using Contact Us in Help.</p>
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<li class="panel"> <a href="#ans_18" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_18">How soon can I expect a response from using Contact Us?</a>
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<p>Our standard response for most inquiries is within 24 hours.</p>
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<h3>Security</h3>
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<li class="panel"> <a href="#ans_19" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_19">How safe are Internet transmissions between my computer and My TRSRetire?</a>
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<p>Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).</p>
<p>As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.</p>
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</li>
<li class="panel"> <a href="#ans_20" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_20">What is 128-bit encryption or U.S. Security?</a>
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<p>To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.</p>
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</li>
<li class="panel"> <a href="#ans_21" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_21">What are digital certificates?</a>
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<p>Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.</p>
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<li class="panel"> <a href="#ans_22" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_22">What is Secure Socket Layer (SSL)?</a>
<div role="tabpanel" class="collapse" id="ans_22">
<p>Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.</p>
</div>
</li>
<li class="panel"> <a href="#ans_23" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_23">What is https://?</a>
<div role="tabpanel" class="collapse" id="ans_23">
<p>While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.</p>
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<li class="panel"> <a href="#ans_24" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_24">Please explain the safety of My TRSRetire on the Internet in greater detail.</a>
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<p>Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.</p>
<p>All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.</p>
<p>Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.</p>
<p>My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.</p>
<p>Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.</p>
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<li class="panel"> <a href="#ans_25" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_25">Why is it important to use the Sign Out button to exit your account?</a>
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<p>Using the Sign Out button to exit will ensure the confidentially of your account.</p>
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<div role="tabpanel" class="tab-pane panel__glossary" id="glossary_tab">
<p> This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.</p>
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<li><a href="#gloss_a" role="navigation" class="navbar-btn js-gloss-scroll">A</a></li>
<li><a href="#gloss_b" role="navigation" class="navbar-btn js-gloss-scroll">B</a></li>
<li><a href="#gloss_c" role="navigation" class="navbar-btn js-gloss-scroll">C</a></li>
<li><a href="#gloss_d" role="navigation" class="navbar-btn js-gloss-scroll">D</a></li>
<li><a href="#gloss_e" role="navigation" class="navbar-btn js-gloss-scroll">E</a></li>
<li><a href="#gloss_f" role="navigation" class="navbar-btn js-gloss-scroll">F</a></li>
<li><a href="#gloss_g" role="navigation" class="navbar-btn js-gloss-scroll">G</a></li>
<li><a href="#gloss_h" role="navigation" class="navbar-btn js-gloss-scroll">H</a></li>
<li><a href="#gloss_i" role="navigation" class="navbar-btn js-gloss-scroll">I</a></li>
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<li><a href="#gloss_k" role="navigation" class="navbar-btn js-gloss-scroll">K</a></li>
<li><a href="#gloss_l" role="navigation" class="navbar-btn js-gloss-scroll">L</a></li>
<li><a href="#gloss_m" role="navigation" class="navbar-btn js-gloss-scroll">M</a></li>
<li><a href="#gloss_n" role="navigation" class="navbar-btn js-gloss-scroll">N</a></li>
<li><a href="#gloss_o" role="navigation" class="navbar-btn js-gloss-scroll">O</a></li>
<li><a href="#gloss_p" role="navigation" class="navbar-btn js-gloss-scroll">P</a></li>
<li><a href="#gloss_q" role="navigation" class="navbar-btn js-gloss-scroll">Q</a></li>
<li><a href="#gloss_r" role="navigation" class="navbar-btn js-gloss-scroll">R</a></li>
<li><a href="#gloss_s" role="navigation" class="navbar-btn js-gloss-scroll">S</a></li>
<li><a href="#gloss_t" role="navigation" class="navbar-btn js-gloss-scroll">T</a></li>
<li><a href="#gloss_u" role="navigation" class="navbar-btn js-gloss-scroll">U</a></li>
<li><a href="#gloss_v" role="navigation" class="navbar-btn js-gloss-scroll">V</a></li>
<li><a href="#gloss_w" role="navigation" class="navbar-btn js-gloss-scroll">W</a></li>
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<li><a href="#gloss_y" role="navigation" class="navbar-btn js-gloss-scroll">Y</a></li>
<li><a href="#gloss_z" role="navigation" class="navbar-btn js-gloss-scroll">Z</a></li>
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<dl>
<dt id="gloss_a">A</dt>
<dt><dfn>(Future) Allocations</dfn></dt>
<dd>To distribute a percentage of money to one or more funds.</dd>
<dt id="gloss_b">B</dt>
<dt><dfn>Back End Load</dfn></dt>
<dd>A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.</dd>
<dt><dfn>Bear Market</dfn></dt>
<dd>A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.</dd>
<dt><dfn>Benefits Administration</dfn></dt>
<dd>The implementation and coordination of an employee benefits plan.</dd>
<dt id="gloss_c">C <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Capital Gain</dfn></dt>
<dd>The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.</dd>
<dt><dfn>Closing Price</dfn></dt>
<dd>The price of the last transaction for a given security at the end of a given trading session.</dd>
<dt><dfn>Confirmation</dfn></dt>
<dd>A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).</dd>
<dt><dfn>Contribution Types</dfn></dt>
<dd>The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.</dd>
<dt><dfn>Contributions (Saving Rate)</dfn></dt>
<dd>A portion of an employee / participant's current salary that is invested in a retirement plan.</dd>
<dt id="gloss_d">D</dt>
<dt><dfn>Defined Contribution Plan</dfn></dt>
<dd>A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.</dd>
<dt><dfn>Defined Benefit Plan</dfn></dt>
<dd>A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.</dd>
<dt><dfn>Diversification</dfn></dt>
<dd>Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.</dd>
<dt id="gloss_e">E</dt>
<dt><dfn>Employee Stock Ownership Plan</dfn></dt>
<dd>A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.</dd>
<dt id="gloss_f">F <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Fiduciary</dfn></dt>
<dd>An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.</dd>
<dt><dfn>Front-End Load</dfn></dt>
<dd>A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.</dd>
<dt id="gloss_g">G</dt>
<dt><dfn>General Obligation Bond</dfn></dt>
<dd>A municipal bond secured by the taxing and borrowing power of the municipality issuing it.</dd>
<dt><dfn><abbr>GIC</abbr></dfn></dt>
<dd>Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.</dd>
<dt id="gloss_h">H</dt>
<dt><dfn>High-Grade Bond</dfn></dt>
<dd>A bond with a rating of AAA or AA, the two highest ratings.</dd>
<dt><dfn>Hedge Fund</dfn></dt>
<dd>A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).</dd>
<dt id="gloss_i">I <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>IRA</abbr></dfn></dt>
<dd>Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.</dd>
<dt><dfn>Investment Mix</dfn></dt>
<dd>The combination of all the funds in your investment portfolio.</dd>
<dt id="gloss_j">J</dt>
<dt><dfn>January Effect</dfn></dt>
<dd>Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.</dd>
<dt><dfn>Joint Life Annuity</dfn></dt>
<dd>An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.</dd>
<dt><dfn>Junk Bond</dfn></dt>
<dd>A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.</dd>
<dt id="gloss_k">K</dt>
<dt><dfn>Kappa</dfn></dt>
<dd>A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.</dd>
<dt><dfn>Keogh Plan</dfn></dt>
<dd>A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.</dd>
<dt><dfn>Key Person Insurance</dfn></dt>
<dd>Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.</dd>
<dt><dfn>Krugerrand</dfn></dt>
<dd>Gold coin minted by the Republic of South Africa.</dd>
<dt id="gloss_l">L <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Loan Note</dfn></dt>
<dd>A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.</dd>
<dt><dfn>Loan Schedule</dfn></dt>
<dd>A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.</dd>
<dt id="gloss_m">M</dt>
<dt><dfn>Matching Funds</dfn></dt>
<dd>A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.</dd>
<dt><dfn>Money Market Fund</dfn></dt>
<dd>A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.</dd>
<dt><dfn>Mutual Funds</dfn></dt>
<dd>Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.</dd>
<dt id="gloss_n">N</dt>
<dt><dfn>Nasdaq Composite Index</dfn></dt>
<dd>A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.</dd>
<dt><dfn>New York Stock Exchange (NYSE)</dfn></dt>
<dd>The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.</dd>
<dt id="gloss_o">O <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Obligation Bond</dfn></dt>
<dd>Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.</dd>
<dt><dfn>Offering</dfn></dt>
<dd>The making available of a new securities to the public through an underwriting. Also called public offering.</dd>
<dt><dfn>Online Trading</dfn></dt>
<dd>The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.</dd>
<dt><dfn>Option</dfn></dt>
<dd>The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.</dd>
<dt id="gloss_p">P</dt>
<dt><dfn><abbr>PCRA</abbr></dfn></dt>
<dd>(Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.</dd>
<dt><dfn>Pending Transfer</dfn></dt>
<dd>A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.</dd>
<dt id="gloss_q">Q</dt>
<dt><dfn>Qualified Retirement Plan</dfn></dt>
<dd>A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.</dd>
<dt><dfn>Quarterly Report</dfn></dt>
<dd>Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.</dd>
<dt id="gloss_r">R <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Rate of Return</dfn></dt>
<dd>The rate of return on an investment, expressed as a percent of the total amount invested.</dd>
<dt><dfn>Rebalance (Investment Mix)</dfn></dt>
<dd>The process of changing your current investment mix to a new Investment Mix.</dd>
<dt><dfn>Rollover</dfn></dt>
<dd>A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.</dd>
<dt id="gloss_s">S</dt>
<dt><dfn>Savings Bond</dfn></dt>
<dd>A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.</dd>
<dt><dfn>Sector Fund</dfn></dt>
<dd>A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.</dd>
<dt><dfn>Strategic Allocation Fund (Multi asset class)</dfn></dt>
<dd>A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.</dd>
<dt id="gloss_t">T</dt>
<dt><dfn>Tender Offer</dfn></dt>
<dd>A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.</dd>
<dt><dfn>Time Horizon</dfn></dt>
<dd>The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.</dd>
<dt><dfn>Transfer</dfn></dt>
<dd>A function that moves account balances between various funds.</dd>
<dt><dfn>Transreferance Number</dfn></dt>
<dd>A number assigned to each transaction, consisting of a current date and a sequential number within that date.</dd>
<dt id="gloss_u">U <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Undervalued</dfn></dt>
<dd>Something whose price is below its perceived value.</dd>
<dt><dfn>Unit Value (NAV)</dfn></dt>
<dd>The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.</dd>
<dt><dfn>Unrealized Loss</dfn></dt>
<dd>Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.</dd>
<dt><dfn>U.S. Treasury Securities</dfn></dt>
<dd>Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.</dd>
<dt id="gloss_v">V</dt>
<dt><dfn>Value Fund</dfn></dt>
<dd>A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).</dd>
<dt><dfn>Vesting</dfn></dt>
<dd>Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.</dd>
<dt id="gloss_w">W</dt>
<dt><dfn>Weak Dollar</dfn></dt>
<dd>Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.</dd>
<dt><dfn>Windfall</dfn></dt>
<dd>Money received which was not expected and not a direct result of something the recipient did.</dd>
<dt><dfn>World Bank</dfn></dt>
<dd>An organization whose focus is on foreign exchange reserves and the balance of trade.</dd>
<dt id="gloss_x">X <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>X</abbr> or <abbr>XD</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.</dd>
<dt><dfn><abbr>XR</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.</dd>
<dt><dfn><abbr>XW</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is ex-warrants.</dd>
<dt id="gloss_y">Y</dt>
<dt><dfn>Yield to Maturity</dfn></dt>
<dd>Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.</dd>
<dt><dfn>Yankee Bond Market</dfn></dt>
<dd>Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.</dd>
<dt id="gloss_z">Z </dt>
<dt><dfn>Zero-Coupon Bond</dfn></dt>
<dd>A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.</dd>
<dt><dfn>Zero-Coupon Convertible</dfn></dt>
<dd>A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.</dd>
<dt id="gloss_num"># <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>401(k) Plan</dfn></dt>
<dd>A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.</dd>
<dt><dfn>403(b) Plan</dfn></dt>
<dd>A defined contribution plan established by certain tax exempt organizations and public schools for their employees.</dd>
<dt><dfn>457 Plan</dfn></dt>
<dd>A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.</dd>
</dl>
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This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.
To see a word and its's definition, select a letter from the menu to go to that section of the alphabet.
- A
- (Future) Allocations
- To distribute a percentage of money to one or more funds.
- B
- Back End Load
- A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.
- Bear Market
- A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.
- Benefits Administration
- The implementation and coordination of an employee benefits plan.
- C back to top
- Capital Gain
- The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.
- Closing Price
- The price of the last transaction for a given security at the end of a given trading session.
- Confirmation
- A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).
- Contribution Types
- The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.
- Contributions (Saving Rate)
- A portion of an employee / participant's current salary that is invested in a retirement plan.
- D
- Defined Contribution Plan
- A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.
- Defined Benefit Plan
- A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.
- Diversification
- Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.
- E
- Employee Stock Ownership Plan
- A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.
- F back to top
- Fiduciary
- An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.
- Front-End Load
- A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.
- G
- General Obligation Bond
- A municipal bond secured by the taxing and borrowing power of the municipality issuing it.
- GIC
- Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.
- H
- High-Grade Bond
- A bond with a rating of AAA or AA, the two highest ratings.
- Hedge Fund
- A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).
- I back to top
- IRA
- Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.
- Investment Mix
- The combination of all the funds in your investment portfolio.
- J
- January Effect
- Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.
- Joint Life Annuity
- An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.
- Junk Bond
- A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.
- K
- Kappa
- A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.
- Keogh Plan
- A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.
- Key Person Insurance
- Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.
- Krugerrand
- Gold coin minted by the Republic of South Africa.
- L back to top
- Loan Note
- A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.
- Loan Schedule
- A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.
- M
- Matching Funds
- A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.
- Money Market Fund
- A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.
- Mutual Funds
- Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.
- N
- Nasdaq Composite Index
- A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.
- New York Stock Exchange (NYSE)
- The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.
- O back to top
- Obligation Bond
- Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.
- Offering
- The making available of a new securities to the public through an underwriting. Also called public offering.
- Online Trading
- The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.
- Option
- The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.
- P
- PCRA
- (Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.
- Pending Transfer
- A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.
- Q
- Qualified Retirement Plan
- A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.
- Quarterly Report
- Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.
- R back to top
- Rate of Return
- The rate of return on an investment, expressed as a percent of the total amount invested.
- Rebalance (Investment Mix)
- The process of changing your current investment mix to a new Investment Mix.
- Rollover
- A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.
- S
- Savings Bond
- A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.
- Sector Fund
- A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.
- Strategic Allocation Fund (Multi asset class)
- A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.
- T
- Tender Offer
- A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.
- Time Horizon
- The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.
- Transfer
- A function that moves account balances between various funds.
- Transreferance Number
- A number assigned to each transaction, consisting of a current date and a sequential number within that date.
- U back to top
- Undervalued
- Something whose price is below its perceived value.
- Unit Value (NAV)
- The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.
- Unrealized Loss
- Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.
- U.S. Treasury Securities
- Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.
- V
- Value Fund
- A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).
- Vesting
- Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.
- W
- Weak Dollar
- Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.
- Windfall
- Money received which was not expected and not a direct result of something the recipient did.
- World Bank
- An organization whose focus is on foreign exchange reserves and the balance of trade.
- X back to top
- X or XD
- A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.
- XR
- A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.
- XW
- A symbol used by newspapers to signify that a stock is ex-warrants.
- Y
- Yield to Maturity
- Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.
- Yankee Bond Market
- Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.
- Z
- Zero-Coupon Bond
- A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.
- Zero-Coupon Convertible
- A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.
- # back to top
- 401(k) Plan
- A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.
- 403(b) Plan
- A defined contribution plan established by certain tax exempt organizations and public schools for their employees.
- 457 Plan
- A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<input type="checkbox" id="updateEmailCheck" name="check">
<label for="updateEmailCheck"><span role="checkbox"></span>Update my account(s) with this email address</label>
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<p class="horizontal-padding">Check the box for all future email correspondence to be sent to this email address, including electronic notifications for any services in which you are enrolled.</p>
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<label for="company">Employer:</label>
<input name="company" id="company" type="text" autocapitalize="off" autocorrect="off" autocomplete="organization" value="Milwaukee Electric Tool Corporation" disabled>
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<fieldset><legend class="label">Are you still employed here?</legend>
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<label for="employedYes" class="radio-inline"> <span role="radio"></span> Yes</label>
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<label for="acctNum">Account Number:</label>
<input name="acctNum" id="acctNum" type="text" autocapitalize="off" autocorrect="off" autocomplete="" pattern="\d*">
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<p>To view the answers to the following questions, select the link for that question.</p>
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<h3>Access</h3>
<ol class="number-list" id="faq_list_1">
<li class="panel"> <a href="#ans_1" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_1" id="q_1">Are there any special browser requirements to use My TRSRetire?</a>
<div role="tab" class="collapse" id="ans_1" aria-labelledby="q_1">
<p>My TRSRetire has been optimized to work best in Microsoft Internet Explorer (version 8.0 or higher), as well as Google Chrome, Mozilla Firefox, and Apple Safari. To check the current version of Internet Explorer, select HELP in your browser menu, then choose ABOUT INTERNET EXPLORER. You can download a free copy of the latest version of Microsoft Internet Explorer, Firefox, Safari or Chrome by clicking on the appropriate button below.</p>
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<p>Additionally, this website works best with a minimum version of Adobe Flash Player 9 and a browser with JavaScript enabled.</p>
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<li class="panel"> <a href="#ans_2" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_2" id="q_2">If I am going to dial into the Internet, how do I disable call waiting?</a>
<div role="tab" class="collapse" id="ans_2" aria-labelledby="q_2">
<p>Insert *70 in front of the telephone number in the phone number dialogue box on your computer prior to dialing OR press *70 on your telephone and hang up the phone. Call waiting will be disabled for the next outgoing call made on the phone line. Call waiting will not be disabled for any further calls unless *70, is dialed again.</p>
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<li class="panel"> <a href="#ans_3" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_3" id="q_3">Why do I have trouble signing in from work?</a>
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<p>You may be behind a corporate firewall at work. The firewall serves to enforce security policy on your network. Often, administrators restrict encrypted information, like your Transamerica account information, from entering networks. Verify your restrictions by contacting your network administrator.</p>
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<h3>Signing In</h3>
<ol class="number-list" id="faq_list_2">
<li class="panel"> <a href="#ans_4" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_4">I haven't established a Username/Password. How do I create one?</a>
<div role="tabpanel" class="collapse" id="ans_4">
<p>If you are a first time user select the GET STARTED button on the Sign In screen, it will take you to the Welcome Screen to create your Username and Password.</p>
</div>
</li>
<li class="panel"> <a href="#ans_5" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_5">Why does My TRSRetire offer the option to use Username or Social Security Number for Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_5">
<p>Your personal information is very important to us. My TRSRetire offers the option of using either Username or Social Security Number for additional security.</p>
</div>
</li>
<li class="panel"> <a href="#ans_9" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_9">How can I change my Username?</a>
<div role="tabpanel" class="collapse" id="ans_9">
<p>Select the change Username option in the Manage Profile section. You will be able to create a new Username or use your Social Security Number as your Username.</p>
</div>
</li>
<li class="panel"> <a href="#ans_10" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_10">What if I forgot my Username?</a>
<div role="tabpanel" class="collapse" id="ans_10">
<p>Use your Social Security Number if you do not remember your Username.</p>
</div>
</li>
<li class="panel"> <a href="#ans_6" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_6">What if I forgot my password?</a>
<div role="tabpanel" class="collapse" id="ans_6">
<p>Select the 'Lost your ID or password?' link on the Sign In screen. You will be required to enter your social security or username to have your password hint emailed to you. If you still do not remember your password, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative.</p>
</div>
</li>
<li class="panel"> <a href="#ans_7" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_7">How do I change my password?</a>
<div role="tabpanel" class="collapse" id="ans_7">
<p>Select the 'Change Password' option in the Manage Profile section.</p>
</div>
</li>
<li class="panel"> <a href="#ans_8" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_8">Why doesn't my password work when I try to Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_8">
<p>Make sure that you are entering your correct Username or Social Security Number and Password. If you are still unable to Sign In, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative or send us an email using Contact Us in Help.</p>
<div class="alert alert-caution">
<div class="alert-icon"><span class="trs-icons-alert-caution alert-icon-size" role="presentation"></span></div>
<div class="alert-message"> <strong>Note:</strong>
<p>After three unsuccessful Sign In attempts, your account will be disabled.</p>
</div>
</div>
</div>
</li>
</ol>
</li>
<li class="js-faq-group">
<h3>Service</h3>
<ol class="number-list" id="faq_list_3">
<li class="panel"> <a href="#ans_11" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_11">What services does My TRSRetire provide?</a>
<div role="tabpanel" class="collapse" id="ans_11">
<p>My TRSRetire provides you with detailed fund information, transaction history, historical account balances and unit values. You also have access to online investment fund transfers and investment fund allocation changes as long as your plan doesn't have any special fund restrictions.</p>
</div>
</li>
<li class="panel"> <a href="#ans_12" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_12">When is My TRSRetire available?</a>
<div role="tabpanel" class="collapse" id="ans_12">
<p>My TRSRetire is accessible 24 hours a day, 7 days a week.</p>
</div>
</li>
<li class="panel"> <a href="#ans_13" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_13">Can I print the information from My TRSRetire that appears on my monitor?</a>
<div role="tabpanel" class="collapse" id="ans_13">
<p>Yes, you can print any screen using the supported Internet browsers. In Internet Explorer or Netscape, select FILE in your browser menu and then select PRINT. Make sure that you have the right printer selected before sending the file to the printer. If there is a print button available on the page, use the print button.</p>
<div class="alert alert-info">
<div class="alert-icon"><span class="trs-icons-alert-info alert-icon-size" role="presentation"></span></div>
<div class="alert-message"> <strong>Note:</strong>
<p>Some screens will require you to print landscape in order to view all of the information on the screen. To do this in Internet Explorer, simply select File and Page Setup, and select the Landscape option. If you are using Netscape, select File and Print and then the Properties button. Select the Landscape option and then OK.</p>
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</div>
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</li>
<li class="panel"> <a href="#ans_14" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_14">Why does the page cut off when I print?</a>
<div role="tabpanel" class="collapse" id="ans_14">
<p>Some pages may be too wide to print with your paper orientation set to PORTRAIT.</p>
<p>To change your paper orientation in Internet Explorer, select FILE on your browser menu and then select PAGE SETUP. In the lower left corner select LANDSCAPE and then select OK. When you are ready to print, select FILE on your browser menu then select PRINT. This setting should remain in effect until you change it.</p>
<p>To change your paper orientation in Netscape, wait until you are ready to print. When ready, select FILE on your browser menu and then select PRINT. After choosing your printer from the dropdown box, select PROPERTIES. Make sure that the PAPER tab is selected at the Select LANDSCAPE and then select OK. Select OK to print. This setting should remain in effect until you change it.</p>
</div>
</li>
<li class="panel"> <a href="#ans_15" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_15">When I select the Fund Hyperlinks, why do I get a blank screen?</a>
<div role="tabpanel" class="collapse" id="ans_15">
<p>If you double-click on the Fund Hyperlinks, the linked screen might be behind the current screen. All hyperlinks should be selected with a single mouse click.</p>
</div>
</li>
<li class="panel"> <a href="#ans_16" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_16">When I request changes to my account how can I ensure my request has been processed?</a>
<div role="tabpanel" class="collapse" id="ans_16">
<p>When you are requesting financial changes to your account, there will be a confirmation number displayed when the transaction is complete. Please make a note of the confirmation number.</p>
</div>
</li>
<li class="panel"> <a href="#ans_17" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_17">Whom do I contact for questions?</a>
<div role="tabpanel" class="collapse" id="ans_17">
<p>If you have any questions about this Web site please contact a Transamerica Retirement Solutions Representative at <a href="tel:+18007555801">800-755-5801</a> or send us an e-mail by using Contact Us in Help.</p>
</div>
</li>
<li class="panel"> <a href="#ans_18" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_18">How soon can I expect a response from using Contact Us?</a>
<div role="tabpanel" class="collapse" id="ans_18">
<p>Our standard response for most inquiries is within 24 hours.</p>
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</li>
</ol>
</li>
<li class="js-faq-group">
<h3>Security</h3>
<ol class="number-list" id="faq_list_4">
<li class="panel"> <a href="#ans_19" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_19">How safe are Internet transmissions between my computer and My TRSRetire?</a>
<div role="tabpanel" class="collapse" id="ans_19">
<p>Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).</p>
<p>As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.</p>
</div>
</li>
<li class="panel"> <a href="#ans_20" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_20">What is 128-bit encryption or U.S. Security?</a>
<div role="tabpanel" class="collapse" id="ans_20">
<p>To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.</p>
</div>
</li>
<li class="panel"> <a href="#ans_21" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_21">What are digital certificates?</a>
<div role="tabpanel" class="collapse" id="ans_21">
<p>Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.</p>
</div>
</li>
<li class="panel"> <a href="#ans_22" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_22">What is Secure Socket Layer (SSL)?</a>
<div role="tabpanel" class="collapse" id="ans_22">
<p>Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.</p>
</div>
</li>
<li class="panel"> <a href="#ans_23" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_23">What is https://?</a>
<div role="tabpanel" class="collapse" id="ans_23">
<p>While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.</p>
</div>
</li>
<li class="panel"> <a href="#ans_24" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_24">Please explain the safety of My TRSRetire on the Internet in greater detail.</a>
<div role="tabpanel" class="collapse" id="ans_24">
<p>Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.</p>
<p>All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.</p>
<p>Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.</p>
<p>My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.</p>
<p>Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.</p>
</div>
</li>
<li class="panel"> <a href="#ans_25" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_25">Why is it important to use the Sign Out button to exit your account?</a>
<div role="tabpanel" class="collapse" id="ans_25">
<p>Using the Sign Out button to exit will ensure the confidentially of your account.</p>
</div>
</li>
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<div role="tabpanel" class="tab-pane panel__glossary" id="glossary_tab">
<p> This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.</p>
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<li><a href="#gloss_a" role="navigation" class="navbar-btn js-gloss-scroll">A</a></li>
<li><a href="#gloss_b" role="navigation" class="navbar-btn js-gloss-scroll">B</a></li>
<li><a href="#gloss_c" role="navigation" class="navbar-btn js-gloss-scroll">C</a></li>
<li><a href="#gloss_d" role="navigation" class="navbar-btn js-gloss-scroll">D</a></li>
<li><a href="#gloss_e" role="navigation" class="navbar-btn js-gloss-scroll">E</a></li>
<li><a href="#gloss_f" role="navigation" class="navbar-btn js-gloss-scroll">F</a></li>
<li><a href="#gloss_g" role="navigation" class="navbar-btn js-gloss-scroll">G</a></li>
<li><a href="#gloss_h" role="navigation" class="navbar-btn js-gloss-scroll">H</a></li>
<li><a href="#gloss_i" role="navigation" class="navbar-btn js-gloss-scroll">I</a></li>
<li><a href="#gloss_j" role="navigation" class="navbar-btn js-gloss-scroll">J</a></li>
<li><a href="#gloss_k" role="navigation" class="navbar-btn js-gloss-scroll">K</a></li>
<li><a href="#gloss_l" role="navigation" class="navbar-btn js-gloss-scroll">L</a></li>
<li><a href="#gloss_m" role="navigation" class="navbar-btn js-gloss-scroll">M</a></li>
<li><a href="#gloss_n" role="navigation" class="navbar-btn js-gloss-scroll">N</a></li>
<li><a href="#gloss_o" role="navigation" class="navbar-btn js-gloss-scroll">O</a></li>
<li><a href="#gloss_p" role="navigation" class="navbar-btn js-gloss-scroll">P</a></li>
<li><a href="#gloss_q" role="navigation" class="navbar-btn js-gloss-scroll">Q</a></li>
<li><a href="#gloss_r" role="navigation" class="navbar-btn js-gloss-scroll">R</a></li>
<li><a href="#gloss_s" role="navigation" class="navbar-btn js-gloss-scroll">S</a></li>
<li><a href="#gloss_t" role="navigation" class="navbar-btn js-gloss-scroll">T</a></li>
<li><a href="#gloss_u" role="navigation" class="navbar-btn js-gloss-scroll">U</a></li>
<li><a href="#gloss_v" role="navigation" class="navbar-btn js-gloss-scroll">V</a></li>
<li><a href="#gloss_w" role="navigation" class="navbar-btn js-gloss-scroll">W</a></li>
<li><a href="#gloss_x" role="navigation" class="navbar-btn js-gloss-scroll">X</a></li>
<li><a href="#gloss_y" role="navigation" class="navbar-btn js-gloss-scroll">Y</a></li>
<li><a href="#gloss_z" role="navigation" class="navbar-btn js-gloss-scroll">Z</a></li>
<li><a href="#gloss_num" role="navigation" class="navbar-btn js-gloss-scroll">#</a></li>
</ul>
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</nav>
<dl>
<dt id="gloss_a">A</dt>
<dt><dfn>(Future) Allocations</dfn></dt>
<dd>To distribute a percentage of money to one or more funds.</dd>
<dt id="gloss_b">B</dt>
<dt><dfn>Back End Load</dfn></dt>
<dd>A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.</dd>
<dt><dfn>Bear Market</dfn></dt>
<dd>A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.</dd>
<dt><dfn>Benefits Administration</dfn></dt>
<dd>The implementation and coordination of an employee benefits plan.</dd>
<dt id="gloss_c">C <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Capital Gain</dfn></dt>
<dd>The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.</dd>
<dt><dfn>Closing Price</dfn></dt>
<dd>The price of the last transaction for a given security at the end of a given trading session.</dd>
<dt><dfn>Confirmation</dfn></dt>
<dd>A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).</dd>
<dt><dfn>Contribution Types</dfn></dt>
<dd>The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.</dd>
<dt><dfn>Contributions (Saving Rate)</dfn></dt>
<dd>A portion of an employee / participant's current salary that is invested in a retirement plan.</dd>
<dt id="gloss_d">D</dt>
<dt><dfn>Defined Contribution Plan</dfn></dt>
<dd>A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.</dd>
<dt><dfn>Defined Benefit Plan</dfn></dt>
<dd>A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.</dd>
<dt><dfn>Diversification</dfn></dt>
<dd>Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.</dd>
<dt id="gloss_e">E</dt>
<dt><dfn>Employee Stock Ownership Plan</dfn></dt>
<dd>A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.</dd>
<dt id="gloss_f">F <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Fiduciary</dfn></dt>
<dd>An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.</dd>
<dt><dfn>Front-End Load</dfn></dt>
<dd>A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.</dd>
<dt id="gloss_g">G</dt>
<dt><dfn>General Obligation Bond</dfn></dt>
<dd>A municipal bond secured by the taxing and borrowing power of the municipality issuing it.</dd>
<dt><dfn><abbr>GIC</abbr></dfn></dt>
<dd>Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.</dd>
<dt id="gloss_h">H</dt>
<dt><dfn>High-Grade Bond</dfn></dt>
<dd>A bond with a rating of AAA or AA, the two highest ratings.</dd>
<dt><dfn>Hedge Fund</dfn></dt>
<dd>A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).</dd>
<dt id="gloss_i">I <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>IRA</abbr></dfn></dt>
<dd>Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.</dd>
<dt><dfn>Investment Mix</dfn></dt>
<dd>The combination of all the funds in your investment portfolio.</dd>
<dt id="gloss_j">J</dt>
<dt><dfn>January Effect</dfn></dt>
<dd>Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.</dd>
<dt><dfn>Joint Life Annuity</dfn></dt>
<dd>An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.</dd>
<dt><dfn>Junk Bond</dfn></dt>
<dd>A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.</dd>
<dt id="gloss_k">K</dt>
<dt><dfn>Kappa</dfn></dt>
<dd>A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.</dd>
<dt><dfn>Keogh Plan</dfn></dt>
<dd>A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.</dd>
<dt><dfn>Key Person Insurance</dfn></dt>
<dd>Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.</dd>
<dt><dfn>Krugerrand</dfn></dt>
<dd>Gold coin minted by the Republic of South Africa.</dd>
<dt id="gloss_l">L <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Loan Note</dfn></dt>
<dd>A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.</dd>
<dt><dfn>Loan Schedule</dfn></dt>
<dd>A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.</dd>
<dt id="gloss_m">M</dt>
<dt><dfn>Matching Funds</dfn></dt>
<dd>A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.</dd>
<dt><dfn>Money Market Fund</dfn></dt>
<dd>A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.</dd>
<dt><dfn>Mutual Funds</dfn></dt>
<dd>Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.</dd>
<dt id="gloss_n">N</dt>
<dt><dfn>Nasdaq Composite Index</dfn></dt>
<dd>A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.</dd>
<dt><dfn>New York Stock Exchange (NYSE)</dfn></dt>
<dd>The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.</dd>
<dt id="gloss_o">O <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Obligation Bond</dfn></dt>
<dd>Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.</dd>
<dt><dfn>Offering</dfn></dt>
<dd>The making available of a new securities to the public through an underwriting. Also called public offering.</dd>
<dt><dfn>Online Trading</dfn></dt>
<dd>The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.</dd>
<dt><dfn>Option</dfn></dt>
<dd>The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.</dd>
<dt id="gloss_p">P</dt>
<dt><dfn><abbr>PCRA</abbr></dfn></dt>
<dd>(Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.</dd>
<dt><dfn>Pending Transfer</dfn></dt>
<dd>A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.</dd>
<dt id="gloss_q">Q</dt>
<dt><dfn>Qualified Retirement Plan</dfn></dt>
<dd>A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.</dd>
<dt><dfn>Quarterly Report</dfn></dt>
<dd>Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.</dd>
<dt id="gloss_r">R <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Rate of Return</dfn></dt>
<dd>The rate of return on an investment, expressed as a percent of the total amount invested.</dd>
<dt><dfn>Rebalance (Investment Mix)</dfn></dt>
<dd>The process of changing your current investment mix to a new Investment Mix.</dd>
<dt><dfn>Rollover</dfn></dt>
<dd>A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.</dd>
<dt id="gloss_s">S</dt>
<dt><dfn>Savings Bond</dfn></dt>
<dd>A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.</dd>
<dt><dfn>Sector Fund</dfn></dt>
<dd>A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.</dd>
<dt><dfn>Strategic Allocation Fund (Multi asset class)</dfn></dt>
<dd>A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.</dd>
<dt id="gloss_t">T</dt>
<dt><dfn>Tender Offer</dfn></dt>
<dd>A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.</dd>
<dt><dfn>Time Horizon</dfn></dt>
<dd>The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.</dd>
<dt><dfn>Transfer</dfn></dt>
<dd>A function that moves account balances between various funds.</dd>
<dt><dfn>Transreferance Number</dfn></dt>
<dd>A number assigned to each transaction, consisting of a current date and a sequential number within that date.</dd>
<dt id="gloss_u">U <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Undervalued</dfn></dt>
<dd>Something whose price is below its perceived value.</dd>
<dt><dfn>Unit Value (NAV)</dfn></dt>
<dd>The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.</dd>
<dt><dfn>Unrealized Loss</dfn></dt>
<dd>Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.</dd>
<dt><dfn>U.S. Treasury Securities</dfn></dt>
<dd>Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.</dd>
<dt id="gloss_v">V</dt>
<dt><dfn>Value Fund</dfn></dt>
<dd>A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).</dd>
<dt><dfn>Vesting</dfn></dt>
<dd>Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.</dd>
<dt id="gloss_w">W</dt>
<dt><dfn>Weak Dollar</dfn></dt>
<dd>Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.</dd>
<dt><dfn>Windfall</dfn></dt>
<dd>Money received which was not expected and not a direct result of something the recipient did.</dd>
<dt><dfn>World Bank</dfn></dt>
<dd>An organization whose focus is on foreign exchange reserves and the balance of trade.</dd>
<dt id="gloss_x">X <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>X</abbr> or <abbr>XD</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.</dd>
<dt><dfn><abbr>XR</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.</dd>
<dt><dfn><abbr>XW</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is ex-warrants.</dd>
<dt id="gloss_y">Y</dt>
<dt><dfn>Yield to Maturity</dfn></dt>
<dd>Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.</dd>
<dt><dfn>Yankee Bond Market</dfn></dt>
<dd>Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.</dd>
<dt id="gloss_z">Z </dt>
<dt><dfn>Zero-Coupon Bond</dfn></dt>
<dd>A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.</dd>
<dt><dfn>Zero-Coupon Convertible</dfn></dt>
<dd>A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.</dd>
<dt id="gloss_num"># <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>401(k) Plan</dfn></dt>
<dd>A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.</dd>
<dt><dfn>403(b) Plan</dfn></dt>
<dd>A defined contribution plan established by certain tax exempt organizations and public schools for their employees.</dd>
<dt><dfn>457 Plan</dfn></dt>
<dd>A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.</dd>
</dl>
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Security
- How safe are Internet transmissions between my computer and My TRSRetire?
Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).
As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.
- What is 128-bit encryption or U.S. Security?
To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.
- What are digital certificates?
Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.
- What is Secure Socket Layer (SSL)?
Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.
- What is https://?
While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.
- Please explain the safety of My TRSRetire on the Internet in greater detail.
Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.
All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.
Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.
My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.
Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.
- Why is it important to use the Sign Out button to exit your account?
Using the Sign Out button to exit will ensure the confidentially of your account.
- How safe are Internet transmissions between my computer and My TRSRetire?
This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.
To see a word and its's definition, select a letter from the menu to go to that section of the alphabet.
- A
- (Future) Allocations
- To distribute a percentage of money to one or more funds.
- B
- Back End Load
- A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.
- Bear Market
- A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.
- Benefits Administration
- The implementation and coordination of an employee benefits plan.
- C back to top
- Capital Gain
- The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.
- Closing Price
- The price of the last transaction for a given security at the end of a given trading session.
- Confirmation
- A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).
- Contribution Types
- The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.
- Contributions (Saving Rate)
- A portion of an employee / participant's current salary that is invested in a retirement plan.
- D
- Defined Contribution Plan
- A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.
- Defined Benefit Plan
- A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.
- Diversification
- Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.
- E
- Employee Stock Ownership Plan
- A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.
- F back to top
- Fiduciary
- An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.
- Front-End Load
- A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.
- G
- General Obligation Bond
- A municipal bond secured by the taxing and borrowing power of the municipality issuing it.
- GIC
- Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.
- H
- High-Grade Bond
- A bond with a rating of AAA or AA, the two highest ratings.
- Hedge Fund
- A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).
- I back to top
- IRA
- Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.
- Investment Mix
- The combination of all the funds in your investment portfolio.
- J
- January Effect
- Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.
- Joint Life Annuity
- An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.
- Junk Bond
- A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.
- K
- Kappa
- A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.
- Keogh Plan
- A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.
- Key Person Insurance
- Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.
- Krugerrand
- Gold coin minted by the Republic of South Africa.
- L back to top
- Loan Note
- A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.
- Loan Schedule
- A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.
- M
- Matching Funds
- A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.
- Money Market Fund
- A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.
- Mutual Funds
- Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.
- N
- Nasdaq Composite Index
- A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.
- New York Stock Exchange (NYSE)
- The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.
- O back to top
- Obligation Bond
- Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.
- Offering
- The making available of a new securities to the public through an underwriting. Also called public offering.
- Online Trading
- The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.
- Option
- The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.
- P
- PCRA
- (Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.
- Pending Transfer
- A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.
- Q
- Qualified Retirement Plan
- A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.
- Quarterly Report
- Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.
- R back to top
- Rate of Return
- The rate of return on an investment, expressed as a percent of the total amount invested.
- Rebalance (Investment Mix)
- The process of changing your current investment mix to a new Investment Mix.
- Rollover
- A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.
- S
- Savings Bond
- A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.
- Sector Fund
- A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.
- Strategic Allocation Fund (Multi asset class)
- A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.
- T
- Tender Offer
- A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.
- Time Horizon
- The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.
- Transfer
- A function that moves account balances between various funds.
- Transreferance Number
- A number assigned to each transaction, consisting of a current date and a sequential number within that date.
- U back to top
- Undervalued
- Something whose price is below its perceived value.
- Unit Value (NAV)
- The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.
- Unrealized Loss
- Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.
- U.S. Treasury Securities
- Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.
- V
- Value Fund
- A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).
- Vesting
- Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.
- W
- Weak Dollar
- Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.
- Windfall
- Money received which was not expected and not a direct result of something the recipient did.
- World Bank
- An organization whose focus is on foreign exchange reserves and the balance of trade.
- X back to top
- X or XD
- A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.
- XR
- A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.
- XW
- A symbol used by newspapers to signify that a stock is ex-warrants.
- Y
- Yield to Maturity
- Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.
- Yankee Bond Market
- Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.
- Z
- Zero-Coupon Bond
- A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.
- Zero-Coupon Convertible
- A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.
- # back to top
- 401(k) Plan
- A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.
- 403(b) Plan
- A defined contribution plan established by certain tax exempt organizations and public schools for their employees.
- 457 Plan
- A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.
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<div class="print-info-line2">INSERT LAST DATA UPDATE AT: HERE.</div>
<div class="print-info-line3">Date Printed: 04/10/16</div>
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<p>My TRSRetire has been optimized to work best in Microsoft Internet Explorer (version 8.0 or higher), as well as Google Chrome, Mozilla Firefox, and Apple Safari. To check the current version of Internet Explorer, select HELP in your browser menu, then choose ABOUT INTERNET EXPLORER. You can download a free copy of the latest version of Microsoft Internet Explorer, Firefox, Safari or Chrome by clicking on the appropriate button below.</p>
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<p>Insert *70 in front of the telephone number in the phone number dialogue box on your computer prior to dialing OR press *70 on your telephone and hang up the phone. Call waiting will be disabled for the next outgoing call made on the phone line. Call waiting will not be disabled for any further calls unless *70, is dialed again.</p>
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<li class="panel"> <a href="#ans_3" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_3" id="q_3">Why do I have trouble signing in from work?</a>
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<p>You may be behind a corporate firewall at work. The firewall serves to enforce security policy on your network. Often, administrators restrict encrypted information, like your Transamerica account information, from entering networks. Verify your restrictions by contacting your network administrator.</p>
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<h3>Signing In</h3>
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<li class="panel"> <a href="#ans_4" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_4">I haven't established a Username/Password. How do I create one?</a>
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<p>If you are a first time user select the GET STARTED button on the Sign In screen, it will take you to the Welcome Screen to create your Username and Password.</p>
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<li class="panel"> <a href="#ans_5" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_5">Why does My TRSRetire offer the option to use Username or Social Security Number for Sign In?</a>
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<p>Your personal information is very important to us. My TRSRetire offers the option of using either Username or Social Security Number for additional security.</p>
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<li class="panel"> <a href="#ans_9" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_9">How can I change my Username?</a>
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<p>Select the change Username option in the Manage Profile section. You will be able to create a new Username or use your Social Security Number as your Username.</p>
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<li class="panel"> <a href="#ans_10" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_10">What if I forgot my Username?</a>
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<p>Use your Social Security Number if you do not remember your Username.</p>
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<li class="panel"> <a href="#ans_6" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_6">What if I forgot my password?</a>
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<p>Select the 'Lost your ID or password?' link on the Sign In screen. You will be required to enter your social security or username to have your password hint emailed to you. If you still do not remember your password, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative.</p>
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<li class="panel"> <a href="#ans_7" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_7">How do I change my password?</a>
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<p>Select the 'Change Password' option in the Manage Profile section.</p>
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<li class="panel"> <a href="#ans_8" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_8">Why doesn't my password work when I try to Sign In?</a>
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<p>Make sure that you are entering your correct Username or Social Security Number and Password. If you are still unable to Sign In, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative or send us an email using Contact Us in Help.</p>
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<p>After three unsuccessful Sign In attempts, your account will be disabled.</p>
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<h3>Service</h3>
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<li class="panel"> <a href="#ans_11" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_11">What services does My TRSRetire provide?</a>
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<p>My TRSRetire provides you with detailed fund information, transaction history, historical account balances and unit values. You also have access to online investment fund transfers and investment fund allocation changes as long as your plan doesn't have any special fund restrictions.</p>
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<li class="panel"> <a href="#ans_12" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_12">When is My TRSRetire available?</a>
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<p>My TRSRetire is accessible 24 hours a day, 7 days a week.</p>
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<li class="panel"> <a href="#ans_13" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_13">Can I print the information from My TRSRetire that appears on my monitor?</a>
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<p>Yes, you can print any screen using the supported Internet browsers. In Internet Explorer or Netscape, select FILE in your browser menu and then select PRINT. Make sure that you have the right printer selected before sending the file to the printer. If there is a print button available on the page, use the print button.</p>
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<li class="panel"> <a href="#ans_14" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_14">Why does the page cut off when I print?</a>
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<p>Some pages may be too wide to print with your paper orientation set to PORTRAIT.</p>
<p>To change your paper orientation in Internet Explorer, select FILE on your browser menu and then select PAGE SETUP. In the lower left corner select LANDSCAPE and then select OK. When you are ready to print, select FILE on your browser menu then select PRINT. This setting should remain in effect until you change it.</p>
<p>To change your paper orientation in Netscape, wait until you are ready to print. When ready, select FILE on your browser menu and then select PRINT. After choosing your printer from the dropdown box, select PROPERTIES. Make sure that the PAPER tab is selected at the Select LANDSCAPE and then select OK. Select OK to print. This setting should remain in effect until you change it.</p>
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<li class="panel"> <a href="#ans_15" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_15">When I select the Fund Hyperlinks, why do I get a blank screen?</a>
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<p>If you double-click on the Fund Hyperlinks, the linked screen might be behind the current screen. All hyperlinks should be selected with a single mouse click.</p>
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<li class="panel"> <a href="#ans_16" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_16">When I request changes to my account how can I ensure my request has been processed?</a>
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<p>When you are requesting financial changes to your account, there will be a confirmation number displayed when the transaction is complete. Please make a note of the confirmation number.</p>
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<li class="panel"> <a href="#ans_17" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_17">Whom do I contact for questions?</a>
<div role="tabpanel" class="collapse" id="ans_17">
<p>If you have any questions about this Web site please contact a Transamerica Retirement Solutions Representative at <a href="tel:+18007555801">800-755-5801</a> or send us an e-mail by using Contact Us in Help.</p>
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<li class="panel"> <a href="#ans_18" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_18">How soon can I expect a response from using Contact Us?</a>
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<p>Our standard response for most inquiries is within 24 hours.</p>
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<h3>Security</h3>
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<li class="panel"> <a href="#ans_19" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_19">How safe are Internet transmissions between my computer and My TRSRetire?</a>
<div role="tabpanel" class="collapse" id="ans_19">
<p>Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).</p>
<p>As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.</p>
</div>
</li>
<li class="panel"> <a href="#ans_20" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_20">What is 128-bit encryption or U.S. Security?</a>
<div role="tabpanel" class="collapse" id="ans_20">
<p>To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.</p>
</div>
</li>
<li class="panel"> <a href="#ans_21" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_21">What are digital certificates?</a>
<div role="tabpanel" class="collapse" id="ans_21">
<p>Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.</p>
</div>
</li>
<li class="panel"> <a href="#ans_22" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_22">What is Secure Socket Layer (SSL)?</a>
<div role="tabpanel" class="collapse" id="ans_22">
<p>Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.</p>
</div>
</li>
<li class="panel"> <a href="#ans_23" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_23">What is https://?</a>
<div role="tabpanel" class="collapse" id="ans_23">
<p>While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.</p>
</div>
</li>
<li class="panel"> <a href="#ans_24" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_24">Please explain the safety of My TRSRetire on the Internet in greater detail.</a>
<div role="tabpanel" class="collapse" id="ans_24">
<p>Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.</p>
<p>All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.</p>
<p>Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.</p>
<p>My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.</p>
<p>Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.</p>
</div>
</li>
<li class="panel"> <a href="#ans_25" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_25">Why is it important to use the Sign Out button to exit your account?</a>
<div role="tabpanel" class="collapse" id="ans_25">
<p>Using the Sign Out button to exit will ensure the confidentially of your account.</p>
</div>
</li>
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<p> This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.</p>
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<dt id="gloss_a">A</dt>
<dt><dfn>(Future) Allocations</dfn></dt>
<dd>To distribute a percentage of money to one or more funds.</dd>
<dt id="gloss_b">B</dt>
<dt><dfn>Back End Load</dfn></dt>
<dd>A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.</dd>
<dt><dfn>Bear Market</dfn></dt>
<dd>A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.</dd>
<dt><dfn>Benefits Administration</dfn></dt>
<dd>The implementation and coordination of an employee benefits plan.</dd>
<dt id="gloss_c">C <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Capital Gain</dfn></dt>
<dd>The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.</dd>
<dt><dfn>Closing Price</dfn></dt>
<dd>The price of the last transaction for a given security at the end of a given trading session.</dd>
<dt><dfn>Confirmation</dfn></dt>
<dd>A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).</dd>
<dt><dfn>Contribution Types</dfn></dt>
<dd>The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.</dd>
<dt><dfn>Contributions (Saving Rate)</dfn></dt>
<dd>A portion of an employee / participant's current salary that is invested in a retirement plan.</dd>
<dt id="gloss_d">D</dt>
<dt><dfn>Defined Contribution Plan</dfn></dt>
<dd>A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.</dd>
<dt><dfn>Defined Benefit Plan</dfn></dt>
<dd>A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.</dd>
<dt><dfn>Diversification</dfn></dt>
<dd>Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.</dd>
<dt id="gloss_e">E</dt>
<dt><dfn>Employee Stock Ownership Plan</dfn></dt>
<dd>A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.</dd>
<dt id="gloss_f">F <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Fiduciary</dfn></dt>
<dd>An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.</dd>
<dt><dfn>Front-End Load</dfn></dt>
<dd>A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.</dd>
<dt id="gloss_g">G</dt>
<dt><dfn>General Obligation Bond</dfn></dt>
<dd>A municipal bond secured by the taxing and borrowing power of the municipality issuing it.</dd>
<dt><dfn><abbr>GIC</abbr></dfn></dt>
<dd>Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.</dd>
<dt id="gloss_h">H</dt>
<dt><dfn>High-Grade Bond</dfn></dt>
<dd>A bond with a rating of AAA or AA, the two highest ratings.</dd>
<dt><dfn>Hedge Fund</dfn></dt>
<dd>A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).</dd>
<dt id="gloss_i">I <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>IRA</abbr></dfn></dt>
<dd>Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.</dd>
<dt><dfn>Investment Mix</dfn></dt>
<dd>The combination of all the funds in your investment portfolio.</dd>
<dt id="gloss_j">J</dt>
<dt><dfn>January Effect</dfn></dt>
<dd>Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.</dd>
<dt><dfn>Joint Life Annuity</dfn></dt>
<dd>An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.</dd>
<dt><dfn>Junk Bond</dfn></dt>
<dd>A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.</dd>
<dt id="gloss_k">K</dt>
<dt><dfn>Kappa</dfn></dt>
<dd>A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.</dd>
<dt><dfn>Keogh Plan</dfn></dt>
<dd>A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.</dd>
<dt><dfn>Key Person Insurance</dfn></dt>
<dd>Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.</dd>
<dt><dfn>Krugerrand</dfn></dt>
<dd>Gold coin minted by the Republic of South Africa.</dd>
<dt id="gloss_l">L <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Loan Note</dfn></dt>
<dd>A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.</dd>
<dt><dfn>Loan Schedule</dfn></dt>
<dd>A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.</dd>
<dt id="gloss_m">M</dt>
<dt><dfn>Matching Funds</dfn></dt>
<dd>A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.</dd>
<dt><dfn>Money Market Fund</dfn></dt>
<dd>A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.</dd>
<dt><dfn>Mutual Funds</dfn></dt>
<dd>Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.</dd>
<dt id="gloss_n">N</dt>
<dt><dfn>Nasdaq Composite Index</dfn></dt>
<dd>A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.</dd>
<dt><dfn>New York Stock Exchange (NYSE)</dfn></dt>
<dd>The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.</dd>
<dt id="gloss_o">O <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Obligation Bond</dfn></dt>
<dd>Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.</dd>
<dt><dfn>Offering</dfn></dt>
<dd>The making available of a new securities to the public through an underwriting. Also called public offering.</dd>
<dt><dfn>Online Trading</dfn></dt>
<dd>The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.</dd>
<dt><dfn>Option</dfn></dt>
<dd>The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.</dd>
<dt id="gloss_p">P</dt>
<dt><dfn><abbr>PCRA</abbr></dfn></dt>
<dd>(Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.</dd>
<dt><dfn>Pending Transfer</dfn></dt>
<dd>A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.</dd>
<dt id="gloss_q">Q</dt>
<dt><dfn>Qualified Retirement Plan</dfn></dt>
<dd>A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.</dd>
<dt><dfn>Quarterly Report</dfn></dt>
<dd>Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.</dd>
<dt id="gloss_r">R <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Rate of Return</dfn></dt>
<dd>The rate of return on an investment, expressed as a percent of the total amount invested.</dd>
<dt><dfn>Rebalance (Investment Mix)</dfn></dt>
<dd>The process of changing your current investment mix to a new Investment Mix.</dd>
<dt><dfn>Rollover</dfn></dt>
<dd>A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.</dd>
<dt id="gloss_s">S</dt>
<dt><dfn>Savings Bond</dfn></dt>
<dd>A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.</dd>
<dt><dfn>Sector Fund</dfn></dt>
<dd>A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.</dd>
<dt><dfn>Strategic Allocation Fund (Multi asset class)</dfn></dt>
<dd>A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.</dd>
<dt id="gloss_t">T</dt>
<dt><dfn>Tender Offer</dfn></dt>
<dd>A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.</dd>
<dt><dfn>Time Horizon</dfn></dt>
<dd>The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.</dd>
<dt><dfn>Transfer</dfn></dt>
<dd>A function that moves account balances between various funds.</dd>
<dt><dfn>Transreferance Number</dfn></dt>
<dd>A number assigned to each transaction, consisting of a current date and a sequential number within that date.</dd>
<dt id="gloss_u">U <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Undervalued</dfn></dt>
<dd>Something whose price is below its perceived value.</dd>
<dt><dfn>Unit Value (NAV)</dfn></dt>
<dd>The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.</dd>
<dt><dfn>Unrealized Loss</dfn></dt>
<dd>Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.</dd>
<dt><dfn>U.S. Treasury Securities</dfn></dt>
<dd>Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.</dd>
<dt id="gloss_v">V</dt>
<dt><dfn>Value Fund</dfn></dt>
<dd>A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).</dd>
<dt><dfn>Vesting</dfn></dt>
<dd>Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.</dd>
<dt id="gloss_w">W</dt>
<dt><dfn>Weak Dollar</dfn></dt>
<dd>Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.</dd>
<dt><dfn>Windfall</dfn></dt>
<dd>Money received which was not expected and not a direct result of something the recipient did.</dd>
<dt><dfn>World Bank</dfn></dt>
<dd>An organization whose focus is on foreign exchange reserves and the balance of trade.</dd>
<dt id="gloss_x">X <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>X</abbr> or <abbr>XD</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.</dd>
<dt><dfn><abbr>XR</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.</dd>
<dt><dfn><abbr>XW</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is ex-warrants.</dd>
<dt id="gloss_y">Y</dt>
<dt><dfn>Yield to Maturity</dfn></dt>
<dd>Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.</dd>
<dt><dfn>Yankee Bond Market</dfn></dt>
<dd>Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.</dd>
<dt id="gloss_z">Z </dt>
<dt><dfn>Zero-Coupon Bond</dfn></dt>
<dd>A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.</dd>
<dt><dfn>Zero-Coupon Convertible</dfn></dt>
<dd>A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.</dd>
<dt id="gloss_num"># <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>401(k) Plan</dfn></dt>
<dd>A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.</dd>
<dt><dfn>403(b) Plan</dfn></dt>
<dd>A defined contribution plan established by certain tax exempt organizations and public schools for their employees.</dd>
<dt><dfn>457 Plan</dfn></dt>
<dd>A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.</dd>
</dl>
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You are now being directed to the Transamerica Annuity website. To see the detailed information for your annuity, you will need to login using your Transamerica Annuity username and password.
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Access
- Are there any special browser requirements to use My TRSRetire?
My TRSRetire has been optimized to work best in Microsoft Internet Explorer (version 8.0 or higher), as well as Google Chrome, Mozilla Firefox, and Apple Safari. To check the current version of Internet Explorer, select HELP in your browser menu, then choose ABOUT INTERNET EXPLORER. You can download a free copy of the latest version of Microsoft Internet Explorer, Firefox, Safari or Chrome by clicking on the appropriate button below.
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Insert *70 in front of the telephone number in the phone number dialogue box on your computer prior to dialing OR press *70 on your telephone and hang up the phone. Call waiting will be disabled for the next outgoing call made on the phone line. Call waiting will not be disabled for any further calls unless *70, is dialed again.
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Your personal information is very important to us. My TRSRetire offers the option of using either Username or Social Security Number for additional security.
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Select the change Username option in the Manage Profile section. You will be able to create a new Username or use your Social Security Number as your Username.
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Use your Social Security Number if you do not remember your Username.
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Select the 'Lost your ID or password?' link on the Sign In screen. You will be required to enter your social security or username to have your password hint emailed to you. If you still do not remember your password, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative.
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Select the 'Change Password' option in the Manage Profile section.
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Service
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My TRSRetire provides you with detailed fund information, transaction history, historical account balances and unit values. You also have access to online investment fund transfers and investment fund allocation changes as long as your plan doesn't have any special fund restrictions.
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Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.
All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.
Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.
My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.
Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.
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Using the Sign Out button to exit will ensure the confidentially of your account.
- How safe are Internet transmissions between my computer and My TRSRetire?
This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.
To see a word and its's definition, select a letter from the menu to go to that section of the alphabet.
- A
- (Future) Allocations
- To distribute a percentage of money to one or more funds.
- B
- Back End Load
- A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.
- Bear Market
- A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.
- Benefits Administration
- The implementation and coordination of an employee benefits plan.
- C back to top
- Capital Gain
- The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.
- Closing Price
- The price of the last transaction for a given security at the end of a given trading session.
- Confirmation
- A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).
- Contribution Types
- The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.
- Contributions (Saving Rate)
- A portion of an employee / participant's current salary that is invested in a retirement plan.
- D
- Defined Contribution Plan
- A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.
- Defined Benefit Plan
- A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.
- Diversification
- Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.
- E
- Employee Stock Ownership Plan
- A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.
- F back to top
- Fiduciary
- An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.
- Front-End Load
- A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.
- G
- General Obligation Bond
- A municipal bond secured by the taxing and borrowing power of the municipality issuing it.
- GIC
- Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.
- H
- High-Grade Bond
- A bond with a rating of AAA or AA, the two highest ratings.
- Hedge Fund
- A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).
- I back to top
- IRA
- Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.
- Investment Mix
- The combination of all the funds in your investment portfolio.
- J
- January Effect
- Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.
- Joint Life Annuity
- An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.
- Junk Bond
- A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.
- K
- Kappa
- A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.
- Keogh Plan
- A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.
- Key Person Insurance
- Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.
- Krugerrand
- Gold coin minted by the Republic of South Africa.
- L back to top
- Loan Note
- A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.
- Loan Schedule
- A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.
- M
- Matching Funds
- A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.
- Money Market Fund
- A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.
- Mutual Funds
- Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.
- N
- Nasdaq Composite Index
- A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.
- New York Stock Exchange (NYSE)
- The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.
- O back to top
- Obligation Bond
- Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.
- Offering
- The making available of a new securities to the public through an underwriting. Also called public offering.
- Online Trading
- The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.
- Option
- The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.
- P
- PCRA
- (Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.
- Pending Transfer
- A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.
- Q
- Qualified Retirement Plan
- A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.
- Quarterly Report
- Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.
- R back to top
- Rate of Return
- The rate of return on an investment, expressed as a percent of the total amount invested.
- Rebalance (Investment Mix)
- The process of changing your current investment mix to a new Investment Mix.
- Rollover
- A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.
- S
- Savings Bond
- A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.
- Sector Fund
- A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.
- Strategic Allocation Fund (Multi asset class)
- A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.
- T
- Tender Offer
- A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.
- Time Horizon
- The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.
- Transfer
- A function that moves account balances between various funds.
- Transreferance Number
- A number assigned to each transaction, consisting of a current date and a sequential number within that date.
- U back to top
- Undervalued
- Something whose price is below its perceived value.
- Unit Value (NAV)
- The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.
- Unrealized Loss
- Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.
- U.S. Treasury Securities
- Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.
- V
- Value Fund
- A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).
- Vesting
- Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.
- W
- Weak Dollar
- Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.
- Windfall
- Money received which was not expected and not a direct result of something the recipient did.
- World Bank
- An organization whose focus is on foreign exchange reserves and the balance of trade.
- X back to top
- X or XD
- A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.
- XR
- A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.
- XW
- A symbol used by newspapers to signify that a stock is ex-warrants.
- Y
- Yield to Maturity
- Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.
- Yankee Bond Market
- Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.
- Z
- Zero-Coupon Bond
- A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.
- Zero-Coupon Convertible
- A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.
- # back to top
- 401(k) Plan
- A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.
- 403(b) Plan
- A defined contribution plan established by certain tax exempt organizations and public schools for their employees.
- 457 Plan
- A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.
templates-main-layout-sso
HTML
<div class="page-container">
<div class="container-fluid">
<!-- top navbar -->
<header>
<div class="row trs-header no-padding">
<!-- Page Header -->
<div class="print-page-header">
<img src="../../images/trs-logo-166px.png" class="ta-logo-print" alt="TRS Logo Desktop">
<div class="print-header-info">
<div class="print-info-line1">1-800-Pyramid (797-2643)</div>
<div class="print-info-line2">INSERT LAST DATA UPDATE AT: HERE.</div>
<div class="print-info-line3">Date Printed: 04/10/16</div>
</div>
</div>
<div class="subnavbar" role="navigation">
<div class="row"> <a class="sr-only" href="#main_content">Skip to main content</a><!-- keep this for ada compliance -->
<div class="col-xs-2 col-sm-4 hidden-md hidden-lg">
<div class="btn--menu">
<button type="button" class="btn--menu__btn">
<span class="sr-only">Tap to expand or collapse navigation</span>
<span class="icon-bar" role="presentation"></span> <span class="icon-bar" role="presentation"></span> <span class="icon-bar" role="presentation"></span> </button>
<div class="btn--menu__text">Menu</div>
</div>
</div>
<div class="col-xs-8 col-md-2 col-sm-4 text-center">
<a class="logo-link text-center" href="">
<img src="../../images/trs-mobile-logo.png" class="logo visible-xs" alt="TRS Logo Mobile" /> <img src="../../images/trs-logo-166px.png" class="logo hidden-xs" alt="TRS Logo Desktop" /> </a>
</div>
<div class="hidden-xs hidden-sm col-md-8">
<div class="pull-right">
<a class="link link--style1__larrow" href="http://www.transamerica.com"><span>My Transamerica Products</span></a>
<ul>
<li class="dropdown">
<a id="hdr_dd_comm" href="#" class="dropdown-toggle" data-target="#" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false" aria-label="Communications Menu">
<span class="glyphicon glyphicon-envelope" role="presentation"></span> Messages <span class="glyphicon glyphicon-menu-down" role="presentation"></span></a>
<ul class="dropdown-menu" role="menu" aria-labelledby="hdr_dd_comm">
<li><a href="#" title="Action" role="menuitem">Action</a></li>
<li><a href="#" title="Another Action" role="menuitem">Another Action</a></li>
<li><a href="#" title="Something else here" role="menuitem">Something else here</a></li>
<li><a href="#" title="Separated link" role="menuitem">Separated link</a></li>
<li><a href="#" title="One more separated link" role="menuitem">One more separated link</a></li>
</ul>
</li>
</ul> <ul>
<li class="dropdown">
<a id="hdr_dd_usr" href="#" class="dropdown-toggle" data-target="#" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false" aria-label="User Options Menu">
<span class="glyphicon glyphicon-user" role="presentation"></span> My Profile <span class="glyphicon glyphicon-menu-down" role="presentation"></span></a>
<ul class="dropdown-menu" role="menu" aria-labelledby="hdr_dd_usr">
<li><a href="#" title="Action" role="menuitem">Action</a></li>
<li><a href="#" title="Another Action" role="menuitem">Another Action</a></li>
<li><a href="#" title="Something else here" role="menuitem">Something else here</a></li>
<li><a href="#" title="Separated link" role="menuitem">Separated link</a></li>
<li><a href="#" title="One more separated link" role="menuitem">One more separated link</a></li>
</ul>
</li>
</ul> </div>
</div>
<div class="col-xs-2 col-sm-4 col-md-2">
<button type="button" class="btn btn-logout "><span class="trs-icons-lock hidden-xs" role="presentation"></span>LOG OUT</button>
</div>
</div>
</div>
<!-- /Page Header -->
</div>
<div class="row hidden-xs">
<ul class="breadcrumbs clearfix" id="crumb_box" aria-label="Summary of account">
<li class="home" id="">Update Profile</li>
<li class="separator" id=""><div></div></li>
<li class="" id="">(placeholder)</li>
</ul> </div>
</header>
<!-- /top navbar -->
<!-- mobile only phone number bar -->
<div class="mobile-phone row"><span class="icon trs-icons-phone" aria-hidden="true"></span><a href="tel://1-800-797-2643">1-800-PYRAMID</a></div> <!-- /mobile only phone number bar -->
<div class="row">
<!-- sidebar -->
<div class="col-xs-12 col-sm-3 left_sidebar sidebar-offcanvas [ hidden-xs hidden-sm ]" id="sidebar" role="navigation">
<nav id="myNavmenu" class="trs-nav navmenu navmenu-default" role="navigation">
<!-- Main Nav -->
<nav class="nav--primary" data-ui-component="Main Nav">
<div class="row">
<div id="desktop_primary_nav" role="tablist" aria-multiselectable="true">
<div class="panel menuwrapper">
<ul class="menu">
<!-- Home -->
<li>
<a href="#nav_home" class="list-group-item nav--primary__head collapsed selected" data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-home" aria-hidden="true"></span>
Home
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_home">
<li>
<a href="#url" class="list-group-item selected">
Overview
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Balance
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
e-Documents
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Account Summary
</a>
</li>
</ul>
</li>
<!-- /Home -->
<!-- Review -->
<li>
<a href="#nav_review" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-eye" aria-hidden="true"></span>
Review
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_review">
<li>
<a href="#url" class="list-group-item selected">
Fund and Fee Information
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Activity Summary
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Activity Details
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Disbursement Details
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Distribution Details
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Unit Values
</a>
</li>
</ul>
</li>
<!-- /Review -->
<!-- Manage -->
<li>
<a href="#nav_manage" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-settings" aria-hidden="true"></span>
Manage
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_manage">
<li>
<a href="#url" class="list-group-item selected">
Current Investments
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Future Allocations
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Transfers
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
PortfolioXpress®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Rollovers
</a>
</li>
</ul>
</li>
<!-- /Manage -->
<!-- Are You OnTrack®? -->
<li>
<a href="#nav_ontrack" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-on-track" aria-hidden="true"></span>
Are You OnTrack®?
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_ontrack">
<li>
<a href="#url" class="list-group-item selected">
Your Retirement Outlook®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Brighten Your Outlook®
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Profile and Goals
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Retirement Accounts
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Retirement Incomes
</a>
</li>
<li>
<a href="#url" class="list-group-item ">
Budget and Withdrawals
</a>
</li>
</ul>
</li>
<!-- /Are You OnTrack®? -->
<!-- Resource Center -->
<li>
<a href="#nav_resources" class="list-group-item nav--primary__head collapsed " data-toggle="collapse" data-parent="#desktop_primary_nav">
<span class="icon glyphicon glyphicon-dashboard" aria-hidden="true"></span>
Resource Center
<span class="glyphicon chevron pull-right" role="presentation"></span>
</a>
<ul class="collapse nav--primary__sub submenu" id="nav_resources">
<li>
<a href="#url" class="list-group-item selected">
Calculators
</a>
</li>
</ul>
</li>
<!-- /Resource Center -->
<!-- Contact Us -->
<!--li>
<a href="#nav_contact" class="list-group-item nav--primary__head nav--primary__contact" data-parent="#desktop_primary_nav">
<span class="icon trs-icons-phone-ring" aria-hidden="true"></span>
Contact Us
<span class="trs-utility--light">1-800-755-5801</span>
</a>
</li-->
<!-- /Contact Us -->
</ul>
</div>
</div>
</div>
</nav>
<!-- /Main Nav -->
</nav>
</div>
<!-- /sidebar -->
<!-- main area & col-xs-12 -->
<div class="non-responsive-swipe">
<div class="col-xs-12 col-sm-12 col-md-9 left-content-border right_panel">
<main class="row" id="main_content">
<p class="status-note text-right">Last login: 10/25/2016 12:28 p.m. CST</p>
<!-- Begin "body" -->
<div class="col-xs-12 ">
<!-- YOUR CODE STARTS HERE. REMOVE THIS COMMENT AFTERWARDS. -->
<div class="text-center margin-top-lg margin-bottom-lg">
<h1 class="text-center">You are now being directed to the Transamerica Annuity website. To see the detailed information for your annuity, you will need to login using your Transamerica Annuity username and password.</h1>
</div>
<div class="text-center">
<a href="#" class="btn btn-primary text-center">CONTINUE</a>
</div> <!-- /YOUR CODE ENDS HERE. REMOVE THIS COMMENT AFTERWARDS. -->
</div>
<!-- End "body" -->
</main>
<div class="container-fluid bg-gray-light-5 sso-footer row">
<div class="row">
<div class="col-xs-12 ta-footer__socialmedia"><!-- Start Component Presentation: {"ComponentID" : "tcm:100-60576", "ComponentModified" : "2016-04-25T10:41:29", "ComponentTemplateID" : "tcm:100-60577-32", "ComponentTemplateModified" : "2015-12-16T09:58:09", "IsRepositoryPublished" : false} -->
<div class="container-fluid trs-footer--col-border text-center js-eq-ht-div">
<h3 class="trs-footer__subhead ta-footer__socialmedia--heading"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:headline[1]"} -->Follow Us</h3>
<a class="trs-icon-circle" id="100_60576_60577_0" target="_blank" href="https://www.linkedIn.com/company/transamerica" title="LinkedIn"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[1]"} --><span class="trs-icons-li" role="presentation"></span><span class="sr-only">LinkedIn</span></a> <a class="trs-icon-circle" id="100_60576_60577_1" target="_blank" href="https://www.facebook.com/Transamerica" title="Facebook"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[2]"} --><span class="trs-icons-fb" role="presentation"></span><span class="sr-only">Facebook</span></a> <a class="trs-icon-circle" id="100_60576_60577_2" target="_blank" href="https://twitter.com/transamerica" title="Twitter"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[3]"} --><span class="trs-icons-tw" role="presentation"></span><span class="sr-only">Twitter</span></a> <a class="trs-icon-circle" id="100_60576_60577_3" target="_blank" href="https://plus.google.com/+transamerica/" title="Google+"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[4]"} --><span class="trs-icons-g" role="presentation"></span><span class="sr-only">Google+</span></a> <a class="trs-icon-circle" id="100_60576_60577_4" target="_blank" href="http://www.pinterest.com/transamerica/" title="Pinterest"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[5]"} --><span class="trs-icons-pin" role="presentation"></span><span class="sr-only">Pinterest</span></a> <a class="trs-icon-circle" id="100_60576_60577_5" target="_blank" href="http://www.youtube.com/transamerica" title="YouTube"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[6]"} --><span class="trs-icons-youtube" role="presentation"></span><span class="sr-only">YouTube</span></a> <a class="trs-icon-circle" id="100_60576_60577_6" target="_blank" href="http://instagram.com/transamerica" title="Instagram"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[7]"} --><span class="trs-icons-insta" role="presentation"></span><span class="sr-only">Instagram</span></a> <a class="trs-icon-circle" id="100_60576_60577_7" target="_blank" href="https://www.tumblr.com/tagged/transamerica" title="Tumblr"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[8]"} --><span class="trs-icons-tumblr" role="presentation"></span><span class="sr-only">Tumblr</span></a> </div>
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</div>
<footer id="global_footer" class="container-fluid trs-footer page-footer ta-footer">
<div class="row"><!-- Start Component Presentation: {"ComponentID" : "tcm:100-60578", "ComponentModified" : "2016-04-25T10:41:52", "ComponentTemplateID" : "tcm:100-60583-32", "ComponentTemplateModified" : "2015-12-16T09:54:35", "IsRepositoryPublished" : false} -->
<div class="ta-footer-contactus-container text-center"> <a type="button" class="btn btn-secondary" id="100_60578_60583_0" title="Call 1-800-Pyramid (797-2643)" href="tel:8007972643"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[1]"} --><span class='glyphicon glyphicon-earphone' role='presentation'></span> 1-800-Pyramid<span class='hidden-xs'> (797-2643)</span></a> </div>
</div>
<div class="row ta-footer-link-listing">
<div class="col-xs-6 col-sm-4 col-md-2 col-md-offset-1 col-lg-2 col-lg-offset-1 no-wrap"><!-- Start Component Presentation: {"ComponentID" : "tcm:100-60584", "ComponentModified" : "2016-04-25T10:41:11", "ComponentTemplateID" : "tcm:100-60589-32", "ComponentTemplateModified" : "2015-12-16T09:56:57", "IsRepositoryPublished" : false} -->
<h3 class="trs-footer__subhead"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:headline[1]"} -->Products</h3>
<ul class="trs-footer__nav-list">
<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[1]"} -->
<a class="" id="100_60584_60589_0" href="/individual/products/" title="All Products"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[1]/custom:linkText[1]"} -->All Products</a> </li>
<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[2]"} -->
<a class="" id="100_60584_60589_1" href="/individual/products/retirement-solutions/" title="401(k)/Retirement"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[2]/custom:linkText[1]"} -->401(k)/Retirement</a> </li>
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<a class="" id="100_60584_60589_2" href="/individual/products/insurance/" title="Insurance"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[3]/custom:linkText[1]"} -->Insurance</a> </li>
<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[4]"} -->
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<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[6]"} -->
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<h3 class="trs-footer__subhead"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:headline[1]"} -->Corporate</h3>
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<a class="" id="100_60585_60589_0" href="/individual/about-us/" title="About Us"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[1]/custom:linkText[1]"} -->About Us</a> </li>
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<li><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:link[1]"} -->
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<h3 class="trs-footer__subhead"><!-- Start Component Field: {"XPath":"tcm:Content/custom:LinkList/custom:headline[1]"} -->Communications</h3>
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<p class="legal"><!-- Start Component Field: {"XPath":"tcm:Content/custom:Disclaimer/custom:disclaimer[1]"} -->Warning: Misuse of Transamerica name in fraud schemes. <a href="https://www.transamerica.com/individual/fraud-alert/" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_0">Read more</a>. <br xmlns="http://www.w3.org/1999/xhtml">
Insurance products and services are offered or issued by Transamerica Life Insurance Company<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>, Cedar Rapids, IA; Transamerica Financial Life Insurance Company, Harrison, NY (licensed in New York); Transamerica Advisors Life Insurance Company, Little Rock, AR; Transamerica Premier Life Insurance Company, Cedar Rapids, IA; and Transamerica Casualty Insurance Company, Columbus, OH. Variable products and mutual funds are underwritten and distributed by Transamerica Capital, Inc., or Transamerica Investors Securities Corporation, each a broker/dealer and member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_1">FINRA</a>. Securities and investment advisory services offered by Transamerica Financial Advisors, Inc., a broker/dealer, member of <a href="http://www.finra.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_2">FINRA</a>, <a href="http://www.sipc.org" target="_blank" xmlns="http://www.w3.org/1999/xhtml" id="100_63213_63262_3">SIPC</a> and a Registered Investment Adviser. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, LLC, a Registered Investment Adviser. References to Transamerica on this site apply to an individual company or collectively to these and other Transamerica companies. This site may not yet be approved by the Departments of Insurance in all states at the time of publication. Transamerica companies are part of the Aegon Group. Copyright 2011 - 2016 Transamerica Corporation, 4333 Edgewood Road NE, Cedar Rapids, IA 52499—All Rights Reserved. <br xmlns="http://www.w3.org/1999/xhtml">
<sup xmlns="http://www.w3.org/1999/xhtml">1</sup>Stonebridge Life Insurance Company merged into Transamerica Life Insurance Company on October 1, 2015.</p>
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<li class="panel"> <a href="#ans_1" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_1" id="q_1">Are there any special browser requirements to use My TRSRetire?</a>
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<p>My TRSRetire has been optimized to work best in Microsoft Internet Explorer (version 8.0 or higher), as well as Google Chrome, Mozilla Firefox, and Apple Safari. To check the current version of Internet Explorer, select HELP in your browser menu, then choose ABOUT INTERNET EXPLORER. You can download a free copy of the latest version of Microsoft Internet Explorer, Firefox, Safari or Chrome by clicking on the appropriate button below.</p>
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<p>Additionally, this website works best with a minimum version of Adobe Flash Player 9 and a browser with JavaScript enabled.</p>
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<li class="panel"> <a href="#ans_2" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_2" id="q_2">If I am going to dial into the Internet, how do I disable call waiting?</a>
<div role="tab" class="collapse" id="ans_2" aria-labelledby="q_2">
<p>Insert *70 in front of the telephone number in the phone number dialogue box on your computer prior to dialing OR press *70 on your telephone and hang up the phone. Call waiting will be disabled for the next outgoing call made on the phone line. Call waiting will not be disabled for any further calls unless *70, is dialed again.</p>
</div>
</li>
<li class="panel"> <a href="#ans_3" data-toggle="collapse" data-parent="#faq_list_1" role="button" aria-expanded="false" aria-controls="ans_3" id="q_3">Why do I have trouble signing in from work?</a>
<div role="tab" class="collapse" id="ans_3" aria-labelledby="q_3">
<p>You may be behind a corporate firewall at work. The firewall serves to enforce security policy on your network. Often, administrators restrict encrypted information, like your Transamerica account information, from entering networks. Verify your restrictions by contacting your network administrator.</p>
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<li class="js-faq-group">
<h3>Signing In</h3>
<ol class="number-list" id="faq_list_2">
<li class="panel"> <a href="#ans_4" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_4">I haven't established a Username/Password. How do I create one?</a>
<div role="tabpanel" class="collapse" id="ans_4">
<p>If you are a first time user select the GET STARTED button on the Sign In screen, it will take you to the Welcome Screen to create your Username and Password.</p>
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</li>
<li class="panel"> <a href="#ans_5" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_5">Why does My TRSRetire offer the option to use Username or Social Security Number for Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_5">
<p>Your personal information is very important to us. My TRSRetire offers the option of using either Username or Social Security Number for additional security.</p>
</div>
</li>
<li class="panel"> <a href="#ans_9" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_9">How can I change my Username?</a>
<div role="tabpanel" class="collapse" id="ans_9">
<p>Select the change Username option in the Manage Profile section. You will be able to create a new Username or use your Social Security Number as your Username.</p>
</div>
</li>
<li class="panel"> <a href="#ans_10" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_10">What if I forgot my Username?</a>
<div role="tabpanel" class="collapse" id="ans_10">
<p>Use your Social Security Number if you do not remember your Username.</p>
</div>
</li>
<li class="panel"> <a href="#ans_6" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_6">What if I forgot my password?</a>
<div role="tabpanel" class="collapse" id="ans_6">
<p>Select the 'Lost your ID or password?' link on the Sign In screen. You will be required to enter your social security or username to have your password hint emailed to you. If you still do not remember your password, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative.</p>
</div>
</li>
<li class="panel"> <a href="#ans_7" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_7">How do I change my password?</a>
<div role="tabpanel" class="collapse" id="ans_7">
<p>Select the 'Change Password' option in the Manage Profile section.</p>
</div>
</li>
<li class="panel"> <a href="#ans_8" data-toggle="collapse" data-parent="#faq_list_2" role="button" aria-expanded="false" aria-controls="ans_8">Why doesn't my password work when I try to Sign In?</a>
<div role="tabpanel" class="collapse" id="ans_8">
<p>Make sure that you are entering your correct Username or Social Security Number and Password. If you are still unable to Sign In, please call 800-755-5801 to speak with a Transamerica Retirement Solutions Representative or send us an email using Contact Us in Help.</p>
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<div class="alert-message"> <strong>Note:</strong>
<p>After three unsuccessful Sign In attempts, your account will be disabled.</p>
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<li class="js-faq-group">
<h3>Service</h3>
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<li class="panel"> <a href="#ans_11" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_11">What services does My TRSRetire provide?</a>
<div role="tabpanel" class="collapse" id="ans_11">
<p>My TRSRetire provides you with detailed fund information, transaction history, historical account balances and unit values. You also have access to online investment fund transfers and investment fund allocation changes as long as your plan doesn't have any special fund restrictions.</p>
</div>
</li>
<li class="panel"> <a href="#ans_12" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_12">When is My TRSRetire available?</a>
<div role="tabpanel" class="collapse" id="ans_12">
<p>My TRSRetire is accessible 24 hours a day, 7 days a week.</p>
</div>
</li>
<li class="panel"> <a href="#ans_13" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_13">Can I print the information from My TRSRetire that appears on my monitor?</a>
<div role="tabpanel" class="collapse" id="ans_13">
<p>Yes, you can print any screen using the supported Internet browsers. In Internet Explorer or Netscape, select FILE in your browser menu and then select PRINT. Make sure that you have the right printer selected before sending the file to the printer. If there is a print button available on the page, use the print button.</p>
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<div class="alert-icon"><span class="trs-icons-alert-info alert-icon-size" role="presentation"></span></div>
<div class="alert-message"> <strong>Note:</strong>
<p>Some screens will require you to print landscape in order to view all of the information on the screen. To do this in Internet Explorer, simply select File and Page Setup, and select the Landscape option. If you are using Netscape, select File and Print and then the Properties button. Select the Landscape option and then OK.</p>
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</li>
<li class="panel"> <a href="#ans_14" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_14">Why does the page cut off when I print?</a>
<div role="tabpanel" class="collapse" id="ans_14">
<p>Some pages may be too wide to print with your paper orientation set to PORTRAIT.</p>
<p>To change your paper orientation in Internet Explorer, select FILE on your browser menu and then select PAGE SETUP. In the lower left corner select LANDSCAPE and then select OK. When you are ready to print, select FILE on your browser menu then select PRINT. This setting should remain in effect until you change it.</p>
<p>To change your paper orientation in Netscape, wait until you are ready to print. When ready, select FILE on your browser menu and then select PRINT. After choosing your printer from the dropdown box, select PROPERTIES. Make sure that the PAPER tab is selected at the Select LANDSCAPE and then select OK. Select OK to print. This setting should remain in effect until you change it.</p>
</div>
</li>
<li class="panel"> <a href="#ans_15" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_15">When I select the Fund Hyperlinks, why do I get a blank screen?</a>
<div role="tabpanel" class="collapse" id="ans_15">
<p>If you double-click on the Fund Hyperlinks, the linked screen might be behind the current screen. All hyperlinks should be selected with a single mouse click.</p>
</div>
</li>
<li class="panel"> <a href="#ans_16" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_16">When I request changes to my account how can I ensure my request has been processed?</a>
<div role="tabpanel" class="collapse" id="ans_16">
<p>When you are requesting financial changes to your account, there will be a confirmation number displayed when the transaction is complete. Please make a note of the confirmation number.</p>
</div>
</li>
<li class="panel"> <a href="#ans_17" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_17">Whom do I contact for questions?</a>
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<p>If you have any questions about this Web site please contact a Transamerica Retirement Solutions Representative at <a href="tel:+18007555801">800-755-5801</a> or send us an e-mail by using Contact Us in Help.</p>
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<li class="panel"> <a href="#ans_18" data-toggle="collapse" data-parent="#faq_list_3" role="button" aria-expanded="false" aria-controls="ans_18">How soon can I expect a response from using Contact Us?</a>
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<p>Our standard response for most inquiries is within 24 hours.</p>
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<h3>Security</h3>
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<li class="panel"> <a href="#ans_19" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_19">How safe are Internet transmissions between my computer and My TRSRetire?</a>
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<p>Using advanced encryption technologies, My TRSRetire ensures that your account information is protected from unauthorized access or alteration. However, this does not apply to questions sent via e-mail (regular Internet e-mail is not secure and should not be used to send confidential information to My TRSRetire).</p>
<p>As security technology advances, My TRSRetire will continue to use updated technology to protect the integrity and security of information and transactions.</p>
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<li class="panel"> <a href="#ans_20" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_20">What is 128-bit encryption or U.S. Security?</a>
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<p>To encrypt means to encode using a public-key cryptography system developed by RSA. 128-bit encryption is the strongest form of data encryption commercially available. A higher number of bits mean more security.</p>
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<li class="panel"> <a href="#ans_21" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_21">What are digital certificates?</a>
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<p>Digital certificates are electronic means of authenticating a user. Transamerica uses digital certificates to complement other features of My TRSRetire security architecture.</p>
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<li class="panel"> <a href="#ans_22" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_22">What is Secure Socket Layer (SSL)?</a>
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<p>Secure Socket Layer (SSL) is another security convention used by My TRSRetire. SSL establishes a secure session by electronically authenticating each end of an encrypted transmission. This way, you know exactly with whom you are communicating before sending any sensitive information.</p>
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<li class="panel"> <a href="#ans_23" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_23">What is https://?</a>
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<p>While using My TRSRetire, note in the Web address bar of your browser, that the URL starts with HTTPS rather than HTTP. The 'S' stands for secure which means encrypted.</p>
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<li class="panel"> <a href="#ans_24" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_24">Please explain the safety of My TRSRetire on the Internet in greater detail.</a>
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<p>Your Social Security Number/Username and My TRSRetire password are used to protect your account information from unauthorized access. A corporate firewall protects the My TRSRetire database from Internet hackers.</p>
<p>All communication with My TRSRetire is conducted as a "secure" activity. Transamerica Retirement Solutions, like other top financial service firms doing business on the Internet, has taken extra precaution to ensure confidentiality. Data about a participant account is encrypted in both directions as it travels over the Internet between your computer and My TRSRetire.</p>
<p>Any serious security problem concerning transfer of confidential information would most likely be an Internet-wide problem. The public would know immediately about such a problem from the business media. Transamerica Retirement Solutions would take prompt action to further protect the confidentiality of participant and plan data.</p>
<p>My TRSRetire uses browser-based security technology to encrypt the transmission of data and information between your PC and Transamerica's computer networks. By using browser based security systems, you can always verify the security status of your connection by the presence of a security icon on your browser.</p>
<p>Transamerica Retirement Solutions utilizes 128-bit encryption technology to establish a secure end-to-end connection. Currently, 128-bit encryption, which is also known as "U.S. domestic encryption," provides the highest level of Internet security commercially available.</p>
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<li class="panel"> <a href="#ans_25" data-toggle="collapse" data-parent="#faq_list_4" role="button" aria-expanded="false" aria-controls="ans_25">Why is it important to use the Sign Out button to exit your account?</a>
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<p>Using the Sign Out button to exit will ensure the confidentially of your account.</p>
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<p> This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.</p>
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<dl>
<dt id="gloss_a">A</dt>
<dt><dfn>(Future) Allocations</dfn></dt>
<dd>To distribute a percentage of money to one or more funds.</dd>
<dt id="gloss_b">B</dt>
<dt><dfn>Back End Load</dfn></dt>
<dd>A sales charge or commission paid when an individual sells an investment, such as a mutual funds or an annuity. Intended to discourage withdrawals. Also called redemption fee or deferred sales charge.</dd>
<dt><dfn>Bear Market</dfn></dt>
<dd>A prolonged period in which investment prices fall, accompanied by widespread pessimism. If the period of falling stock prices is short and immediately follows a period of rising stock prices, it is instead called a correction. Bear markets usually occur when the economy is in a recession and unemployment is high, or when inflation is rising quickly. The most famous bear market in U.S. history was the Great Depression of the 1930s. A bear market is the opposite of a bull market.</dd>
<dt><dfn>Benefits Administration</dfn></dt>
<dd>The implementation and coordination of an employee benefits plan.</dd>
<dt id="gloss_c">C <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Capital Gain</dfn></dt>
<dd>The amount by which an asset's selling price exceeds its initial purchase price. A realized capital gain is an investment that has been sold at a profit. An unrealized capital gain is an investment that hasn't been sold yet but would result in a profit if sold. Capital gain is often used to mean realized capital gain. For most investments sold at a profit, including mutual funds, bonds, options, collectibles, homes, and businesses, the IRS is owed money called capital gains tax. Opposite of capital loss.</dd>
<dt><dfn>Closing Price</dfn></dt>
<dd>The price of the last transaction for a given security at the end of a given trading session.</dd>
<dt><dfn>Confirmation</dfn></dt>
<dd>A letter sent to an employee / participant confirming their transaction ( e.g. Loan, Transfers).</dd>
<dt><dfn>Contribution Types</dfn></dt>
<dd>The transfer of funds or property by either and employer or an employee to an employee retirement plan. Transamerica has identified eight contribution types relating to employee or employer contribution.</dd>
<dt><dfn>Contributions (Saving Rate)</dfn></dt>
<dd>A portion of an employee / participant's current salary that is invested in a retirement plan.</dd>
<dt id="gloss_d">D</dt>
<dt><dfn>Defined Contribution Plan</dfn></dt>
<dd>A company retirement plan, such as a 401(k) or 403(b) plan, in which the employee elects to defer some amount of his/her salary into the plan.</dd>
<dt><dfn>Defined Benefit Plan</dfn></dt>
<dd>A company retirement plan, such as a pension plan, in which a retired employee receives a specific amount based on salary history and years of service, and in which the employer bears the investment risk. Contributions may be made by the employee, the employer, or both.</dd>
<dt><dfn>Diversification</dfn></dt>
<dd>Diversification simply means not putting all your investment 'eggs in one basket.' The key to diversification is that each chosen investment exhibits a low correlation, or dissimilar volatility and price movement, in order to achieve the optimal risk / return tradeoff. The goal of diversification is to reduce overall portfolio risk given a desired level of return.</dd>
<dt id="gloss_e">E</dt>
<dt><dfn>Employee Stock Ownership Plan</dfn></dt>
<dd>A trust established by a corporation which acts as a tax-qualified, defined-contribution retirement plan by making the corporation's employees partial owners. Contributions are made by the sponsoring employer, and can grow tax-deferred, just as with an IRA or 401(k). The benefits for the company include increased cash flow, tax savings, and increased productivity from highly motivated workers. The main benefit for the employees is the ability to share in the company's success. Due to the tax benefits, the administration of ESOPs is regulated, and numerous restrictions apply. Also called stock purchase plan.</dd>
<dt id="gloss_f">F <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Fiduciary</dfn></dt>
<dd>An individual, corporation or association holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.</dd>
<dt><dfn>Front-End Load</dfn></dt>
<dd>A sales charge paid when an individual buys an investment, such as a mutual fund, limited partnership, annuity, or insurance policy. The load is clubbed with the first payment made by an investor, so the total initial payment is higher than the later payments. The purpose of a load is to cover administrative expenses and transaction costs and sometimes to discourage asset turnover. Opposite of back-end load.</dd>
<dt id="gloss_g">G</dt>
<dt><dfn>General Obligation Bond</dfn></dt>
<dd>A municipal bond secured by the taxing and borrowing power of the municipality issuing it.</dd>
<dt><dfn><abbr>GIC</abbr></dfn></dt>
<dd>Guaranteed Investment Contract. A debt instrument issued by an insurance company, usually in a large denomination, and often bought for retirement plans. The interest rate paid is guaranteed, but the principal is not. Also called guaranteed interest contract.</dd>
<dt id="gloss_h">H</dt>
<dt><dfn>High-Grade Bond</dfn></dt>
<dd>A bond with a rating of AAA or AA, the two highest ratings.</dd>
<dt><dfn>Hedge Fund</dfn></dt>
<dd>A fund, usually used by wealthy individuals and institutions, which is allowed to use aggressive strategies that are unavailable to mutual funds, including selling short, leverage, program trading, swaps, arbitrage, and derivatives. Hedge funds are exempt from many of the rules and regulations governing other mutual funds, which allows them to accomplish aggressive investing goals. They are restricted by law to no more than 100 investors per fund, and as a result most hedge funds set extremely high minimum investment amounts, ranging anywhere from $250,000 to over $1 million. As with traditional mutual funds, investors in hedge funds pay a management fee; however, hedge funds also collect a percentage of the profits (usually 20%).</dd>
<dt id="gloss_i">I <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>IRA</abbr></dfn></dt>
<dd>Individual Retirement Account- A retirement savings program for indiviuals to which yearly tax deductible contributions up to a specified limit can be made. The amounts contributed are not taxed until withdrawal. Withdrawal is not permitted, without penalty, until the individual reaches age 59 ½.</dd>
<dt><dfn>Investment Mix</dfn></dt>
<dd>The combination of all the funds in your investment portfolio.</dd>
<dt id="gloss_j">J</dt>
<dt><dfn>January Effect</dfn></dt>
<dd>Tendency of the stock market to rise between December 31 and the end of the first week in January. The January Effect occurs because many investors choose to sell some of their stock right before the end of the year in order to claim a capital loss for tax purposes. Once the tax calendar rolls over to a new year on January 1st these same investors quickly reinvest their money in the market, causing stock prices to rise. Although the January Effect has been observed numerous times throughout history, it is difficult for investors to profit from it since the market as a whole expects it to happen and therefore adjusts its prices accordingly.</dd>
<dt><dfn>Joint Life Annuity</dfn></dt>
<dd>An annuity issued on two individuals under which payments continue in whole or in part until both individuals die. Also called joint and survivor annuity.</dd>
<dt><dfn>Junk Bond</dfn></dt>
<dd>A high-risk, non-investment-grade bond with a low credit rating, usually BB or lower; as a consequence, it usually has a high yield . Opposite of investment-grade bond.</dd>
<dt id="gloss_k">K</dt>
<dt><dfn>Kappa</dfn></dt>
<dd>A value representing the expected change in the price of an option in response to a 1% change in the volatility of the underlying stock.</dd>
<dt><dfn>Keogh Plan</dfn></dt>
<dd>A tax-deferred qualified retirement plan for self-empoyed individuals and unincorporated businesses. Also called self-employed pension.</dd>
<dt><dfn>Key Person Insurance</dfn></dt>
<dd>Life insurance purchased by a company or investor on the life of a key executive. Usually the company is the policy's beneficiary. Also called business life insurance.</dd>
<dt><dfn>Krugerrand</dfn></dt>
<dd>Gold coin minted by the Republic of South Africa.</dd>
<dt id="gloss_l">L <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Loan Note</dfn></dt>
<dd>A form of vendor finance or deferred payment, in which the purchaser acts as a borrower, agreeing to make payments to the holder of the transferable loan note at a specified future date.</dd>
<dt><dfn>Loan Schedule</dfn></dt>
<dd>A listing of the amounts of principal and interest, due dates, and balance after payment for a given loan.</dd>
<dt id="gloss_m">M</dt>
<dt><dfn>Matching Funds</dfn></dt>
<dd>A type of employer contribution to an employee retirement fund in which employee contributions up to a maximum limit are accompanied by identical, or at least proportional, contributions by the employer.</dd>
<dt><dfn>Money Market Fund</dfn></dt>
<dd>A mutual fund that seeks maximum current income through Investment in securities may include bank CD, bankers acceptances, T-bills, repurchase agreements (repos), and commercial paper.</dd>
<dt><dfn>Mutual Funds</dfn></dt>
<dd>Type of investment vehicle in which many investors / employee money is pooled for specific investment purposes. Participants own shares in an investment portfolio, rather than individual securities.</dd>
<dt id="gloss_n">N</dt>
<dt><dfn>Nasdaq Composite Index</dfn></dt>
<dd>A market-value weighted index of all common stocks listed on Nasdaq. The Nasdaq Composite dates back to 1971, which is when the Nasdaq exchange was first formalized. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. Unlike the Dow Jones Industrial Average (DJIA), the Nasdaq is market value-weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices.</dd>
<dt><dfn>New York Stock Exchange (NYSE)</dfn></dt>
<dd>The oldest and largest stock exchange in the U.S., located on Wall Street in New York City. The NYSE is responsible for setting policy, supervising member activities, listing securities, overseeing the transfer of member seats, and evaluating applicants. It traces its origins back to 1792, when a group of brokers met under a tree at the tip of Manhattan and signed an agreement to trade securities. Unlike some of the newer exchanges , the NYSE still uses a large trading floor in order to conduct its transactions. It is here that the representatives of buyers and sellers, professionals known as brokers, meet and shout out prices at one another in order to strike a deal. This is called the open outcry system and it usually produces fair market pricing. In order to facilitate the exchange of stocks, the NYSE employs individuals called specialists who are assigned to manage the buying and selling of specific stocks and to buy those stocks when no one else will. Of the exchanges, the NYSE has the most stringent set of requirements in place for the companies whose stocks it lists, and even meeting these requirements is not a guarantee that the NYSE will list the company. The NYSE is also called Big Board.</dd>
<dt id="gloss_o">O <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Obligation Bond</dfn></dt>
<dd>Mortgage bond whose face value exceeds the value of the underlying property, and for which a personal obligation is created to compensate the lender for any costs that may exceed the value of the mortgage.</dd>
<dt><dfn>Offering</dfn></dt>
<dd>The making available of a new securities to the public through an underwriting. Also called public offering.</dd>
<dt><dfn>Online Trading</dfn></dt>
<dd>The increasingly popular activity of buying and selling securities over the Internet, or to a lesser extent, through a broker's proprietary software.</dd>
<dt><dfn>Option</dfn></dt>
<dd>The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency,index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. Aso called option contract.</dd>
<dt id="gloss_p">P</dt>
<dt><dfn><abbr>PCRA</abbr></dfn></dt>
<dd>(Personal choice retirement account) is an investment option that allows participants to invest directly into a individual stocks or bonds, or a mutual fund not offered in their retirement plan.</dd>
<dt><dfn>Pending Transfer</dfn></dt>
<dd>A pending transfer is a transfer that has not been processed. This transfer will be valued using today's market closing unit values provided the transaction is completed prior to 4:00 PM ET. Transfer requests completed after 4:00 PM ET will be valued using the market closing unit values for the following business day.</dd>
<dt id="gloss_q">Q</dt>
<dt><dfn>Qualified Retirement Plan</dfn></dt>
<dd>A plan that meets the requirements of Internal Revenue Code Section 401(a) and the Employee Retirement Income Security Act of 1974(ERISA) and is thus eligible for favorable tax treatment. These plans offer several tax benefits: they allow employers to deduct annual allowable contributions for each participant; contributions and earnings on those contributions are tax-deferred until withdrawn for each participant; and some of the taxes can be deferred even further through a transfer into an IRA.</dd>
<dt><dfn>Quarterly Report</dfn></dt>
<dd>Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of “material events” that have occurred with the company (such as a stock split or acquisition). Also called Form 10-Q.</dd>
<dt id="gloss_r">R <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Rate of Return</dfn></dt>
<dd>The rate of return on an investment, expressed as a percent of the total amount invested.</dd>
<dt><dfn>Rebalance (Investment Mix)</dfn></dt>
<dd>The process of changing your current investment mix to a new Investment Mix.</dd>
<dt><dfn>Rollover</dfn></dt>
<dd>A tax-free reinvestment of a distribution from a qualified retirement plan into a IRA or other qualified plan within a specific time frame, usually 60 days.</dd>
<dt id="gloss_s">S</dt>
<dt><dfn>Savings Bond</dfn></dt>
<dd>A registered, non-callable, non-transferable bond issued by the U.S. Government, and backed by its full faith and credit. Savings bonds differ from other treasury securities in several ways. Savings bonds are non-marketable, meaning that they cannot be bought and sold after they are purchased from the government; therefore, there is no secondary market for savings bonds. The tax benefits associated with savings bonds are significant. Like all treasury securities, they are exempt from state and local taxes, but in the specific case of savings bonds, all federal taxes may be deferred until the bond is redeemed. Therefore, even though interest will accrue, no taxes will be due until that money can be accessed. Additionally, if the money received at redemption is used to pay tuition expenses for the holder, a spouse or a dependent in the same year, the interest earned may be exempt from federal taxes as well. Face values range from $50 to $10,000. Also called U.S. Savings bond.</dd>
<dt><dfn>Sector Fund</dfn></dt>
<dd>A mutual fund which invests entirely or predominantly in a single sector of the stock market. A sector funds tend to be riskier and more volatile than the broad market because they are less diversified, although the risk level depends on the specific sector. Some investors choose sector funds when they believe that a specific sector will outperform the overall market, while others choose sector funds to hedge against other holdings in a portfolio. Some common sector funds include financial services funds, gold and precious metals funds, health care funds, and real estate funds, but sector funds exist for just about every sector.</dd>
<dt><dfn>Strategic Allocation Fund (Multi asset class)</dfn></dt>
<dd>A “fund of funds” that invests in an array of mutual funds to obtain a stated investment objective. Also known as “lifestyle funds”.</dd>
<dt id="gloss_t">T</dt>
<dt><dfn>Tender Offer</dfn></dt>
<dd>A take over bid in the form of a public invitation to shareholders to sell their stock, generally at a price above the market price.</dd>
<dt><dfn>Time Horizon</dfn></dt>
<dd>The length of time a sum of money is expected to be invested. Also called investment horizon or horizon.</dd>
<dt><dfn>Transfer</dfn></dt>
<dd>A function that moves account balances between various funds.</dd>
<dt><dfn>Transreferance Number</dfn></dt>
<dd>A number assigned to each transaction, consisting of a current date and a sequential number within that date.</dd>
<dt id="gloss_u">U <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>Undervalued</dfn></dt>
<dd>Something whose price is below its perceived value.</dd>
<dt><dfn>Unit Value (NAV)</dfn></dt>
<dd>The value of a mutual fund share determined by deducting the fund's liabilities from the total asset of the portfolio and dividing this amount by the number of shares outstanding. This is calculated once a day, based on the closing market price for each security in the fund portfolio.</dd>
<dt><dfn>Unrealized Loss</dfn></dt>
<dd>Loss which has occurred but has not yet been realized through a transaction, such as a stock which has fallen in value but is still being held. also called paper loss.</dd>
<dt><dfn>U.S. Treasury Securities</dfn></dt>
<dd>Negotiable U.S. Government debt obligations, backed by its full faith and credit. Exempt from state and local taxes. U.S. Treasury Securities are issued by the U.S. government in order to pay for government projects. The money paid out for a Treasury bond is essentially a loan to the government. As with any loan, repayment of principal is accompanied by a specified interest rate. These bonds are guaranteed by the “full faith and credit” of the U.S. government, meaning that they are extremely low risk (since the government can simply print money to pay back the loan). Additionally, interest earned on U.S. Treasury Securities is exempt from state and local taxes. Federal taxes, however, are still due on the earned interest. The government sells U.S. Treasury Securities by auction in the primary market, but they are marketable securities and therefore can be purchased through a broker in the very active secondary market. A broker will charge a fee for such a transaction, but the government charges no fee to participate in auctions. Prices on the secondary market and at auction are determined by interest rates. U.S. Treasury Securities issued today are not callable, so they will continue to accrue interest until the maturity date. One possible downside to U.S. Treasury Securities is that if interest rates increase during the term of the bond, the money invested will be earning less interest than it could earn elsewhere. Accordingly, the resale value of the bond will decrease as well. Because there is almost no risk of default by the government, the return on Treasury bonds is relatively low, and a high inflation rate can erase most of the gains by reducing the value of the principal and interest payments. There are three types of securities issued by the U.S. Treasury (bonds, bills,and notes), which are distinguished by the amount of time from the initial sale of the bond to maturity. Also called Treasuries.</dd>
<dt id="gloss_v">V</dt>
<dt><dfn>Value Fund</dfn></dt>
<dd>A mutual fund that invests in companies which it determines to be underpriced by fundamental measures. Assuming that a company's share price will not remain undervalue indefinitely, the fund looks to make money by buying before the expected upturn. Value funds tend to focus on safety rather than growth, and often choose investments providing dividends as well as capital appreciation. They invest in companies that have low P/E ratio, and stocks that have fallen out of favor with mainstream investors, either due to changing investor preferences, a poor quarterly earnings report, or hard times in a particular industry. Value stocks are often mature companies that have stopped growing and that use their earnigs to pay dividends. Thus value funds produce current income (from the dividends) as well as long-term growth (from capital appreciation once the stocks become popular again).</dd>
<dt><dfn>Vesting</dfn></dt>
<dd>Represents the percent of ownership of employer contribution to a participant / employee account in a retirement saving plan. This is based on various eligibility factors.</dd>
<dt id="gloss_w">W</dt>
<dt><dfn>Weak Dollar</dfn></dt>
<dd>Dollar that can be exchanged for only a small or decreasing amount of foreign currency. A weak dollar means that the U.S. dollar cannot buy very much of another currency. The strength of the dollar has an impact on imports and exports because goods and services from a foreign nation are usually purchased in the currency of the producing nation. A weak dollar usually leads to high exports and low imports. Opposite of strong dollar.</dd>
<dt><dfn>Windfall</dfn></dt>
<dd>Money received which was not expected and not a direct result of something the recipient did.</dd>
<dt><dfn>World Bank</dfn></dt>
<dd>An organization whose focus is on foreign exchange reserves and the balance of trade.</dd>
<dt id="gloss_x">X <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn><abbr>X</abbr> or <abbr>XD</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading ex-dividend, or that a bond is trading without interest, or that a mutual fund recently paid a capital gain or dividend.</dd>
<dt><dfn><abbr>XR</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is trading without rights attached. Those rights remain with the seller.</dd>
<dt><dfn><abbr>XW</abbr></dfn></dt>
<dd>A symbol used by newspapers to signify that a stock is ex-warrants.</dd>
<dt id="gloss_y">Y</dt>
<dt><dfn>Yield to Maturity</dfn></dt>
<dd>Yield that would be realized on a bond or other fixed income security if the bond was held until the maturity date. It is greater than the current yield if the bond is selling at a discount and less than the current yield if the bond is selling at a premium.</dd>
<dt><dfn>Yankee Bond Market</dfn></dt>
<dd>Market for dollar-denominated bonds issued in the U.S. by foreign corporations, banks and governments.</dd>
<dt id="gloss_z">Z </dt>
<dt><dfn>Zero-Coupon Bond</dfn></dt>
<dd>A bond which pays no coupons , is sold at a deep discount to its face value, and matures at its face value. A zero-coupon bond has the important advantage of being free of reinvestment risk, though the downside is that there is no opportunity to enjoy the effects of a rise in market interest rates. Also, such bonds tend to be very sensitive to changes in interest rates, since there are no coupon payments to reduce the impact of interest rate changes. In addition, markets for zero-coupon bonds are relatively illiquid. Under U.S. tax law, the imputed interest on a zero-coupon bond is taxable as it accrues, even though there is no cash flow.</dd>
<dt><dfn>Zero-Coupon Convertible</dfn></dt>
<dd>A zero-coupon issued by a corporation which can be converted into that corporation's common stock at a certain price, or a zero-coupon bond issued by a municipality which can be converted into an interest-bearing bond under certain circumstances. Also called split coupon bond.</dd>
<dt id="gloss_num"># <span class="pull-right"><a href="#glossary_tab" class="js-gloss-scroll">back to top</a></span></dt>
<dt><dfn>401(k) Plan</dfn></dt>
<dd>A defined contribution plan, established by an employer. It enables employees to make pretax contributions by salary reduction agreements structured within the format of a cash or deferred plan.</dd>
<dt><dfn>403(b) Plan</dfn></dt>
<dd>A defined contribution plan established by certain tax exempt organizations and public schools for their employees.</dd>
<dt><dfn>457 Plan</dfn></dt>
<dd>A tax-exempt deferred compensation program made available to employees of state and federal governments and agencies. A 457 plan is similar to a 401(k) plan, except there are never employer matching contributions and the IRS does not consider it a qualified retirement plan. Participants can defer some of their annual income (up to an annual limit), and contributions and earnings are tax-deferred until withdrawal. Distributions start at retirement age but participants can also take distributions if they change jobs or in certain emergencies. Participants can choose to take distributions as a lump sum, annual installments or as an annuity. Distributions are subject to ordinary income taxes and the amounts cannot be transferred into an IRA.</dd>
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